Visa BIN list Visa Credit Cards — Credit Lyonnais - IIN 497205

Credit card numbers that start with the Issuer Identification Number (IIN) 497205 are Visa credit cards issued by Credit Lyonnais in France. Credit Lyonnais issues cards under a total of five IIN numbers including this one, so some card numbers issued by Credit Lyonnais may start with IIN numbers from one of these other ranges. You can view a list of all five of Credit Lyonnais' IIN numbers here. For more information, call Credit Lyonnais at (344) 290-0101.

Credit Lyonnais
credit card chip
4972 Valid Thru 08/2024
John Q. Cardholder
Card Scheme Visa
Bank Name Credit Lyonnais
Card Type CREDIT
IIN 497205
Card Number 4972 05XX XXXX XXXX
Bank Phone (344) 290-0101
Bank Country France

Anatomy of a Credit Lyonnais Visa Credit Card Number

While credit card number may seem like a random string of digits, they actually contain a large amount of valuable data about the card that can be used for validation and verification purposes.

Digit 1 — The MII

The first digit of the card is known as the MII digit, and indicates the credit card's scheme. In this case, the MII of 4 indicates that this is a Visa card.

Digits 1-6 — The IIN / BIN

The first six digits of the card number, inclusive of the MII, are called the IIN (Issuer Identification Number) or BIN (Bank Identification Number). This sequence uniquely identifies the bank that issued the card. In this case, the IIN of 497205 indicates that this card was issued by Credit Lyonnais in France.

Digits 7-15 — The Account Number

Digits 7-15 of the credit card number contain the Primary Account Number, or PAN, issued by the bank to uniquely identify the account holder. These 8 digits are the most important part of the credit card number.

Digit 16 — The Check Digit

The last digit of the card number (the 16th digit in most cases) is the check digit, which is calculated by applying a mathematical formula called the Luhn algorithm to the preceding portions of the account number. While not actually part of the account number itself, the check digit is essential to allow easy validation of card numbers and detection of typos, missed digits, etc.

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