What Is an Issue Number on a Credit Card?
Learn what a credit card issue number is, how to locate it, and what steps to take if your card doesn't have one for online transactions.
An issue number on a credit card is a distinct numerical identifier utilized by some card issuers. It helps to differentiate between various versions of a card linked to the same primary account. This feature is not universally present, especially on cards issued in the United States.
Identifying an Issue Number
Should your credit or debit card feature an issue number, it is generally a single or two-digit figure. This number is often found on the front of the card, frequently positioned near the expiration date or in proximity to the main account number. It is important to distinguish this from the three or four-digit card verification value (CVV/CVC), which is typically located on the back of most cards. The issue number serves as a separate identifier and should not be mistaken for any part of your primary 16-digit card number. Its exact placement can vary slightly depending on the card issuer and the geographical region where the card was initially issued.
Purpose of an Issue Number
The primary function of an issue number is to provide a unique identifier for multiple cards issued under a single account. This becomes relevant when a card is reissued, perhaps due to damage, loss, or expiration, but the underlying primary account number remains unchanged. This system of identification is more commonly observed on cards issued in certain international markets, such as the United Kingdom and various European countries. In contrast, financial institutions in the United States typically employ different internal methods for tracking reissued cards, often without the need for an explicit issue number.
Handling Online Forms Without an Issue Number
When you encounter an online form that requests an issue number, and your card does not display one, several strategies can help resolve the situation.
A common approach is to attempt leaving the issue number field completely blank. Many payment gateways are designed to accommodate cards that do not utilize this specific identifier.
If the online form requires a numerical entry and does not permit a blank field, try entering “0” or “00”. Some systems recognize these entries as a placeholder for cards without an issue number, allowing the transaction to proceed. Additionally, look for options like “N/A” or “Not Applicable” within or next to the field, which can be selected if provided by the merchant.
It is quite common for cards issued by U.S. financial institutions not to have an issue number, and its absence does not signify a problem with your card’s validity or functionality. If difficulties persist despite these attempts, contacting your card issuer’s customer service can provide clarification specific to your card details. Alternatively, reaching out to the merchant’s customer support can help clarify their specific form requirements or offer an alternative way to complete your purchase.