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If this digit is 9 the next three digits are the country code from ISO 3166-1.The issuer identification number also known as the bank identification number (BIN) is the first six digits of the credit card number.
The maximum length of the account number is 12 digits. The last digit is the checksum which we explained how to calculate using the MOD 10 algorithm.
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The first digit of the issuer identification number is the major industry identifier (MII).
It identifies the industry where the card will be most used in.