The benefits of credit cards in the economy cannot be overemphasized . It is credit cards that enable a cashless society. They make it possible for owners to make purchases even when they have no cash at hand. This is why it comes as no surprise that credit cards are one of the leading causes of debts in America. It is also the major mode of payment in many marketplaces and establishments.
At the end of each month, the credit card owner would make payments to the credit card issuer. As credit cards are important, it is only right that both business owners and consumers know how to deal with it. If you want to know how to get a valid credit card, then you are on the right page. Here, you would learn how to get a valid credit card and use it for different purposes.
With a valid credit card, you can carry out just about any type of transaction. Gone are the days when credit cards couldn’t be used for international transactions. Now, nothing stops a credit card owner from carrying out such transactions anytime. To test the functionality of websites, E-commerce website developers need valid card numbers. Doing this goes a long way in positively affecting the user experience of the site. This is because payments have to be made for the purchases on such websites.
Making payments and carrying out transactions requires a valid credit card. Credit card numbers are generated by an algorithm. This means only credit cards issued by official establishments are the valid ones. The most popular issuers are banks and retail stores. To get such valid credit cards, there are three ways to go about it. Let’s take a run through them
For a valid credit card that you can use for payments and other transactions, you have to go to an official issuer. There are different places to go to for this. To be on the safer side, you should go for the major card issuers. Banks are one of such legitimate issuers of credit cards. It works even better if you already have a bank account with them. This is because they already have prior access to your credit history record. A credit history record is important as not everyone who applies for a credit card gets one. So, your credit history has to tick certain boxes before a bank can give you a credit card. Some retail stores also give credit cards to their customers. The way this works varies from one store to the other. However, the process is not as strict as it is in banks.
There are many things you have to consider before you choose a credit card from them though. You should note that credit cards attract annual fees and other transactional charges. You should also consider the interest rate that comes with the credit cards. Those organizations that issue credit cards easily are known to do so at a very high-interest rate. This probably explains why many people are often in credit card debts.
Your credit card should make life easier for you instead of further complicating it. This is why you ought to choose a credit card plan that is suitable for you. You should also make sure to not exceed the limit of your credit card. This would help you avoid terrible consequences. To get a valid credit card that perfectly suits your financial needs, keep these tips in mind
· Do thorough research on the various kinds of credit cards out there. This would make it easier to find the one that is the best fit for your financial condition.
· Read about the requirements you have to fulfill before you can get your target credit card
· Check your credit score to determine if it makes you eligible for the credit card you have in mind
· Obtain the application form and carefully fill in all your details
· Wait while the credit card request is being processed. If it’s approved, great. If it isn’t, don’t lose hope, you may try out other credit card issuers.
Generally, before you can get a credit card, you have to be an adult. Also, you should have started earning an income. For students who have part-time jobs, there are student-specific credit cards for them. You should also keep in mind that it is not every time you would get the exact rate that the issuer is advertising.
In the world we live in now, almost everyone is wary of using their credit cards for online transactions. This is because of the rise in the activities of online scammers. Out of the many online marketplaces that we have, there are both fake and legit ones. Online scammers go as far as designing a website that would lure people in and rob them of their money.
That aside, there are lots of hackers out there. They hack the credit card details that users input on websites and then use it to their advantage. Credit cards are most often linked with bank accounts. Hence, cardholders might see debit alerts for transactions they didn’t authorize .
Virtual Credit Card Numbers
So, what then happens when you don’t want to use your credit card for an online transaction? Is it possible to use a valid credit card for transactions without giving away private info? Yes, it is. It is possible to ask your credit card issuer to give you a virtual credit card. This virtual credit card would have a masked connection with your real account. Here is how it works. For every online transaction you make, your issuer releases a virtual credit card. The virtual credit card protects account information better. Still, even with this virtual card, you should remain cautious. This is because trackers are known to follow free credit card numbers.
You would have to make inquiries from your credit card issuer though. This is because it’s not every credit card issuer that offers this service. Sometimes, the card issuer may offer the service but it’s unavailable for your credit card type. MasterCard and Visa, for example, have the virtual credit card feature enabled. Here is how to make use of the virtual credit card
· Submit your credit card details to your card issuer
· They would then give you a virtual credit card that has 16 digits
· When you want to make an online transaction, transfer the needed amount from your account.
· When the website requests for your credit card info, enter the details of the virtual credit card.
The two methods above are the ones to use when you need a valid credit card number for transactions. What about when you still need credit card info but not for transactional purposes? Simple. What to do is to make use of an online generator to get a credit card number. This number would pass the credit card validation process. This is because it works based on the algorithm that the validation process uses. It generates random digits to make up the credit card number. To fully grasp how this works, you should know the components of a credit card number
· The first digit is what identifies the industry of the credit card issuer. For example, a card from banks usually begins with number 4 or 5. The one for retail stores would begin with a number other than 4 or 5
· The first six digits are referred to as the Issuer Identification Number. It is this set of numbers that states the organization that issued your credit card.
· The next set of digits minus the last digit are for your account
· The last digit is the one that’s calculated with an algorithm. It is what ends the validation of your credit card number.
Generating random credit card numbers
There are many sites out there for generating random credit card numbers. This proves useful when you need the number for a purpose that isn’t transactional. One of such purposes is registering for a trial account. Another is for gaining membership on certain sites. Some of these sites include CreditCardRush, PayPal Developer, and CreditCardGenerator. These sites do not stop at giving only credit card numbers. They even go on to provide other necessary card details. You’d get an expiry date, CVV number as well as a random cardholder name. This does not mean its every credit card generator that gives these other details. Someones just stop at giving the credit card number so, you’d have to create other details by yourself.
The steps to follow to get a random card number vary per website. However, here’s what it often is like
· Go to the site of your preferred credit card generator. An example is this link
· You would see different credit card issuers. Choose your preferred one.
· If the website is one of those that provide details other than the card number, opt-in for the feature
· Wait for a few seconds while the credit card number is being generated
· Copy the number and put it to use.
While random numbers cannot be used for transactions, they sure have their uses. However, a valid credit card number is your best bet should the need for an online transaction arise. Use the methods above to get the credit card that best suits your needs.