How to use our credit card generator ?

Every credit card company uses the Luhn Algorithm to generate credit card numbers. These are not just random numbers, but they follow a pattern and a mathematical formula. The same principle is used by our dummy credit card numbers generator.

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All you have to do is to choose a network (Visa, Mastercard, Discover Card, American Express Card, JCB card, etc.) and click on generate. A valid credit card number will be created for your access to any website that asks for credit card details.

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Types of credit card number generators

Credit card generators can be used to create a single credit card number or generate bulk numbers also.

Single credit card generator

If you want a single credit card number that you can use repeatedly for all your testing purposes, then opt for a single credit card generator. You can generate more numbers by repeating the same process again and again.

Bulk credit card generator

If you cannot go about the hassles of generating credit card numbers every single time when you need one, then opt for a bulk credit card generator. It will create a bulk of unique yet valid credit card numbers

What is a valid credit card number?

Our tool also checks on the validity of these dummy credit card numbers generated. The proper format of a valid credit card number starts with the major industry identifier or MII, which differentiates each credit card number in accordance to their industries.

A Valid credit card number should be:

• A 16 digit number
• It must start with 4 for a visa card, 5 for MasterCard, 6 for Discover card, 34 and 37 for American Express and 35 for JCB Cards.
• Numbers ranging from 6 to 9 digits hold for the cardholders account number
• The last number is the check digit that confirms the authenticity of the credit card.

Our credit card number generator comes with a validity checker. It checks if the dummy credit card numbers pass the Luhn algorithm test or not.

What is the major industry identifier (MII) or the issuer identification number (IIN)?

As discussed above, every credit card number has an ideal pattern. The first six digits are known as the major industry identifier (MII) or the issuer identification number (IIN). These numbers specify the company that issues these credit cards. These digits vary with industries. With respect to MII, each credit card is differentiated as per their industries.

What is the Luhn Formula?

The validity of the credit card numbers can be checked using the Luhn formula. It is an error-checking algorithm. Now, if you are wondering what the Luhn formula is.

Then here we explain it you:

• Named after its creator, IBM scientist Hans Peter Luhn.
• A formula used to check the validity of identification numbers
• Here’s how it works. Skip the last digit of the 16 number.
• The last digit is the check digit
• Reverse the numbers
• Multiply the digits in the odd position by 2
• Next, subtract 9 with the numbers that are higher than the value 9
• Sum up all the individual numbers
• When you add the check digit to the checksum, you must get a multiple of 10

Features of our credit card generator

• Valid credit card numbers
• Numbers that pass the Luhn algorithm test
• Major industry identifier will be included
• Credit card number validity checker
• Generate a single credit card number or in bulk

Where can you use these credit card numbers?

The credit numbers generated by this website are not real. It is not possible to use it for online transactions. Although the credit card number is valid for testing purposes and they're dummy. Since being not associated with any bank or credit, the real transaction or purchase will not take place using these fake credit card numbers.

Credit Card Creator Software Free

The main purpose of such software is to generate credit card numbers to test e-commerce websites for their payment methods. Businesses that run online stores can use these numbers for testing their payment methods. The transaction efficiency and errors can be detected using these numbers. This will make their system error-free and user-friendly.

Now, why go for the hassle of buying a separate software program for generating credit card numbers. Use our credit card generator to get dummy credit card numbers that are valid for your websites, applications, and software.

If you found this tool helpful, share it over your network! Let others too make use of our best credit card generator for their testing or payment verification systems.

CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. CreditCards.com does not include the entire universe of available financial or credit offers.
CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.

Credit card payoff calculator

You’re closer to being debt-free than you think. Just enter your current balance, APR, issuer and monthly payment to see how long it will take to pay off your balance and how much you’ll pay in interest. We’ll even give you recommendations on cards that will help you save money.

Once you’ve used our payoff calculator, there are some ways that you could use the results to inform your strategy so you pay your balance off faster and pay less in interest overall.

The savings shown in your results are based on the difference in total compound interest charges between the higher APR cards you entered and the lower promotional balance transfer APR, net of transfer fees. Your actual savings may be different based on your purchase and payment activity as well as other fees.

First, choose which debt to pay off first

If you have multiple credit cards, loans or other debts, it’s important to look at a few factors when deciding which to pay off first. To save the most money in the long run, pay down the debt with the highest interest rate, or pay the debt that is closest to your credit max. Both of these options will help raise your credit score in addition to relieving some of your debt. If you’re interested in learning more, check out our advice on Keeping Score.

Next, see if you can pay more than the minimum payment

Many credit card issuers allow cardholders to carry a balance month-to-month and make “minimum payments” (usually around $25 or 3% of the total balance) partly for the cardholder’s convenience, but also because it benefits the issuer to create a big interest charge. If you can, try to pay more than the minimum so you can lower your balance and pay less in interest over the life of the loan. A credit card payment calculator like this one can help you estimate how fast you can pay off debts if you pay more than the minimum each month.

See if you can get a lower interest rate

If you can’t pay more than the minimum on your card, see if you can find a balance transfer card that has a lower interest rate than the one you’re currently paying, because a lower interest rate will help you pay less by the time it’s paid off. If you have several cards with high interest rates, a lower rate could even help you more than paying off your smallest balance first.

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Some other important things to know

Credit Card Designer Software

• This credit card payoff calculator is intended solely for general informational and educational purposes.
• The accuracy of this debt payoff calculator and its applicability to your personal financial circumstances is not guaranteed or warranted.
• To learn more on paying off your balance, read about our favorite balance transfer credit cards from our partners.