All in all, understanding credit card numbers is not vital. However, you can apply your knowledge to double check cards when they are issued to you or to spot fake ones.

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They were using credit cards, using stolen credit card numbers and names,” Hoa said. “Many foreigners have been arrested in Vietnam for using fake credit cards recently.”

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Its easy to make fake credit card numbers or use dead numbers from closed accounts so you need a payment gateway to verify the funds before allowing the download.