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What Do the Numbers on Your Credit Cards Mean?

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Those 15 or 16 numbers embossed on the front of each of your credit cards aren’t randomly assigned. That sequence of digits has actual meaning and indicates everything from your account information to the bank issuer. Let’s break it down.

First, you should know that the only organization that can assign credit card numbers is the American National Standards Institute—a nonprofit that represents more than 125,000 companies and 3.5 million professionals. The ANSI assigns every card number for specific systems, such as MasterCard and Visa, and banking institutions, including JP Morgan Chase and Citibank.

Once you swipe your card, a terminal (or credit card reader) uses the magnetic strip on the back that stores your card number to determine where the transaction should go. That is to say, it routes through the correct network and bank for approval. This is where the function of each digit becomes important.

The first digit or two of a credit card number sequence indicates the card issuer. For example, if your card begins with the number 4, it’s a Visa; a 5, a MasterCard; a 6, Discover; and 34 or 37, American Express (clearly the credit card number diva here with two starter digits). But here’s where the breakdown gets slightly different with each card.

For Visa cards, the second through six numerals indicate what financial institution the card belongs to—the bank number. The seventh through 15th (or seventh through 12th) digits are the account number. The 16th (or 13th) digit is the check digit, which calculates the number by using the Luhn algorithm to validate the initial numbers on your card; the check digit is also used to prevent mistakes when a credit card number is entered manually as well as prevent fraudulent activities.

On MasterCards, the second and third, second and fourth, or second and fifth digits indicate the bank number. The numerals after the bank number through digit 15 make up the account number, while digit 16, again, represents the check digit.

As for American Express cards, digits three and four are the type of card (business or personal?) and currency (American or Canadian dollars?), respectively. The fifth through 11th digits make up the account number, digits 12, 13 and 14 indicate the account number within that account, and numeral 15 is—wait for it—the check digit.

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holidays
What Are the 12 Days of Christmas?
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Everyone knows to expect a partridge in a pear tree from your true love on the first day of Christmas ... But when is the first day of Christmas?

You'd think that the 12 days of Christmas would lead up to the big day—that's how countdowns work, as any year-end list would illustrate—but in Western Christianity, "Christmas" actually begins on December 25th and ends on January 5th. According to liturgy, the 12 days signify the time in between the birth of Christ and the night before Epiphany, which is the day the Magi visited bearing gifts. This is also called "Twelfth Night." (Epiphany is marked in most Western Christian traditions as happening on January 6th, and in some countries, the 12 days begin on December 26th.)

As for the ubiquitous song, it is said to be French in origin and was first printed in England in 1780. Rumors spread that it was a coded guide for Catholics who had to study their faith in secret in 16th-century England when Catholicism was against the law. According to the Christian Resource Institute, the legend is that "The 'true love' mentioned in the song is not an earthly suitor, but refers to God Himself. The 'me' who receives the presents refers to every baptized person who is part of the Christian Faith. Each of the 'days' represents some aspect of the Christian Faith that was important for children to learn."

In debunking that story, Snopes excerpted a 1998 email that lists what each object in the song supposedly symbolizes:

2 Turtle Doves = the Old and New Testaments
3 French Hens = Faith, Hope and Charity, the Theological Virtues
4 Calling Birds = the Four Gospels and/or the Four Evangelists
5 Golden Rings = the first Five Books of the Old Testament, the "Pentateuch", which gives the history of man's fall from grace.
6 Geese A-laying = the six days of creation
7 Swans A-swimming = the seven gifts of the Holy Spirit, the seven sacraments
8 Maids A-milking = the eight beatitudes
9 Ladies Dancing = the nine Fruits of the Holy Spirit
10 Lords A-leaping = the ten commandments
11 Pipers Piping = the eleven faithful apostles
12 Drummers Drumming = the twelve points of doctrine in the Apostle's Creed

There is pretty much no historical evidence pointing to the song's secret history, although the arguments for the legend are compelling. In all likelihood, the song's "code" was invented retroactively.

Hidden meaning or not, one thing is definitely certain: You have "The Twelve Days of Christmas" stuck in your head right now.

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Big Questions
Where Does the Phrase '… And the Horse You Rode In On' Come From?
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Horses may no longer be the dominant form of transportation in the U.S., but the legacy of our horseback-riding history lives on in language. When telling people off, we still use the phrase “... and the horse you rode in on.” These days, it’s rare for anyone you're telling to go screw themselves to actually be an equestrian, so where did “and the horse you rode in on” come from, anyway?

Well, let’s start with the basics. The phrase is, essentially, an intensifier, one typically appended to the phrase “F*** you.” As the public radio show "A Way With Words" puts it, it’s usually aimed at “someone who’s full of himself and unwelcome to boot.” As co-host and lexicographer Grant Barrett explains, “instead of just insulting you, they want to insult your whole circumstance.”

The phrase can be traced back to at least the 1950s, but it may be even older than that, since, as Barrett notes, plenty of crude language didn’t make it into print in the early 20th century. He suggests that it could have been in wide use even prior to World War II.

In 1998, William Safire of The New York Times tracked down several novels that employed the term, including The Friends of Eddie Coyle (1972) and No Bugles, No Drums (1976). The literary editor of the latter book, Michael Seidman, told Safire that he heard the term growing up in the Bronx just after the Korean War, leading the journalist to peg the origin of the phrase to at least the late 1950s.

The phrase has had some pretty die-hard fans over the years, too. Donald Regan, who was Secretary of the Treasury under Ronald Reagan from 1981 through 1984, worked it into his official Treasury Department portrait. You can see a title along the spine of a book in the background of the painting. It reads: “And the Horse You Rode In On,” apparently one of Regan’s favorite sayings. (The book in the painting didn't refer to a real book, but there have since been a few published that bear similar names, like Clinton strategist James Carville’s book …and the Horse He Rode In On: The People V. Kenneth Starr and Dakota McFadzean’s 2013 book of comics Other Stories And the Horse You Rode In On.)

It seems that even in a world where almost no one rides in on a horse, insulting a man’s steed is a timeless burn.

Have you got a Big Question you'd like us to answer? If so, let us know by emailing us at bigquestions@mentalfloss.com.

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