As of 2014, credit and debit cards in the United States usually contain a prominently displayed 16-digit number. In addition to a unique card number, cards contain the bank's logo, the owner's name and the card's expiration date.
For most debit cards, the first digit of the 16-digit number identifies the card type, such as Visa or Mastercard. Subsequent numbers identify the bank and the account number. A check digit allows for validation testing and is included at or near the end of the card number.
Exceptions to the rule that card numbers are 16-digits in length do exist. American Express employs 15-digit numbers, while department stores and gas stations issue credit and debit cards with numbers that vary in length.Learn More
To change a debit card PIN number, customers must contact their banking institution by phone or in person, and verify their identities through a series of security questions. Once the customer's identity is verified, he or she will be instructed to enter a new PIN number into a bank keypad or their telephone keypad. There are also some banking institutions that allow their customers to change their debit card PIN number online.Full Answer >
Refunds are generally processed and funds returned to the debit card on the customer's bank account within 10 business days. However, there are cases in which a refund takes longer to process.Full Answer >
Citibank credit card customers can pay their bill by sending a check or money order via mail. Customers can also opt for a one-time online bill payment, enroll in auto bill pay or contact a Citibank representative via telephone to make a payment.Full Answer >
If a consumer does not pay at least the minimum balance amount on credit card bills, it can hurt his credit score. The credit card companies notify the credit bureaus of a late payment status and may charge a late fee.Full Answer >