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Not all credit cards have the same sets of extra codes nor do they use the same number of digits.The concept of using a card for purchases was described in 1887 by Edward Bellamy in his utopian novel Looking Backward.

Credit cards have a magnetic stripe conforming to the ISO/IEC 7813.A credit card also differs from a cash card, which can be used like currency by the owner of the card.A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.or embossed bank card number complying with the ISO/IEC 7812 numbering standard.The card number's prefix, called the Bank Identification Number, is the sequence of digits at the beginning of the number that determine the bank to which a credit card number belongs.

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