It is no debate that routing numbers are pretty significant for making online transactions, as well as other banking activities. Mind you, a credit card is very different from a savings or current account debit card where you actually have your own real money and do not spend “borrowed money”.
What Is A Routing Number? According to Wikipedia, a routing transit number also known as a routing number is a nine-digit code printed on the bottom of checks to identify the financial institution on which it was drawn.
They are usually a very tiny yet important snippet of bank data, of which it is very important to the user as it will help identify which financial institution was actually responsible for the financial transaction. This includes handling of checks, as well as online exchanges and a lot of other bank transactions. Which of course, excludes transactions involving the Credit card.
Note: it is worthy to note that it is not all financial institution’s that actually have routing numbers. Financial institution’s that are federally contracted, as well as state sanctions banks are the only ones qualified to have a routing number, through which they give account at a Federal Reserve bank.
What Is A Credit Card?
According to Wikipedia, a credit card is a payment card issued to users to enable the cardholder to pay a merchant for goods and services based on the cardholder’s accrued debt.
In essence, what this definition entails is that, using the Credit card, the user gets to make payments for services that they enjoy by accruing debt from the card issuer. That is, they make payments for goods and services that they enjoy via “borrowed money”.
This card is unique and has some numbers which helps to identify it. And for a while now, must people have believed that a routing number is usually written on this credit cards. And this is what we are about to find out in this article.
Do Credit Cards Have Routing Numbers?
No, Credit cards do not have routing numbers. As I had said earlier, Credit cards are only used for spending money owned by the card issuing money, who will then later place the money on you in the form of debt.
Why Credit Cards Does Not Have A Routing Number?
A Credit card having a routing number, simply betrays the very essence of a credit card. And as I had said earlier, a Credit Cards is a payment card issued to users to enable the cardholder to pay a merchant for goods and services based on the cardholder’s accrued debt.
As such, it is practically impossible for this type of card to be used for activities such as cashing checks, transferring money between accounts, making direct deposits of cash, as well as performing a lot of other activities.
Note: All Credit cards do have a billing cycle. That is, the time in which they are to pay back for all the money that they used in the Credit card. And this type of transactions do not require a routing number.
What Numbers Do Credit Cards Have?
Having noted that Credit Cards do not have routing numbers, one might get prompted to ask, “what numbers then, do credit cards have?”. Below are a few numbers that Credit cards have.
1. Your Credit card number
Your Credit card number is usually a 16 digits long integers that are found at the back of the credit card number.
There mostly consist of the bank identification number (which should not be confused with the Routing number), nine digits serving as the account number, and the last digit serving as the check digit which is used to detect errors in the transactions.
2. The Credit Card Expiration Date
Apart from the Credit card number, another number that you are likely going to find on the Credit card is the expiration date of the credit card.
They usually consist of the month of expiration, and the year of expiration.
3. The Credit Card CVC
Known in full as the Card Verification Code, the CVC is the final four digits that is found, usually on the back of the credit card.
What Is The Difference Between An Account Number And Routing Number?
Account numbers and Routing numbers are usually very different, one from the other. While account numbers are always nine digits, routing numbers may even go higher than nine. And in most cases, going between 9 to 12 digits in length.
According to forbes, a routing number is only used to identify a specific bank or credit union. However, an account number identifies a bank account within a financial institution.
Do Credit Cards Have Account Numbers?
Yes, Credit cards have an account number. And as I had stated earlier, this account numbers are always nine digits in length and they are part of the “credit card number”, of which the first six, are bank identification number and the last one digit is the check digits, of which the credit card account number is the nine digits that is in between both of this numbers.
List Of Cards That Have Routing Numbers
Aside the Credit cards, which do not have routing numbers, some other cards actually do have a routing number. Below are a few of this cards that have routing numbers –
- NetSpend Visa Prepaid Card
- Brinks Prepaid Mastercard, etc…
Note: To get your bank routing number, you will need to consult your bank or financial institution.
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What’s The Routing Number On A Credit Card?
Unfortunately, Credit cards do not have a routing number. And it is also out of their function to have a routing number, as they can not check cash, make direct deposits and lot of other functions.
Is There A Routing Number For Credit Card?
No, there is no routing number for Credit Cards. Rather, what they actually have that is somewhat close to that is the account number.
However, this is always attached with the credit card numbers.
Does Chase Credit Cards Have Routing Numbers?
No, Chase Credit cards do not have a routing number. This is same with other Credit Cards, of which all of them do not have a routing number.
Do Capital One Credit Card Have A Routing Number?
No, Capital one credit cards do not have a routing number. What they actually have in place of a routing number is a CVC, an expiration date, a Credit card number and an account number.
Can I Get A Credit Card That Has A Routing Number?
No, you can not get a credit card that has a routing number. They do not exist.
Do Credit Cards Need Routing Numbers?
No, Credit Cards do not need routing numbers because it is actually useless to them. And it serves no purpose.