Fake credit Card Numbers

Credit card numbers

that conform to the Luhn formula (MOD 10 check). Usefull for testing e-commerce sites (because they should get past any pre-validation you do, and be declined at the card processor or bank stage).

In testing situations any expiry date within the next 3 years should work

NOTE: These are NOT valid credit card numbers. You can't buy anything with these. They are random numbers that happen to conform to the MOD 10 algorithm. They are a technical resource for programmers - that's all.

Mastercard

5372670034017607
5305753337579697
5549573691393717
553348035094 7809
5528368739069030
5441641120248841
5112470110280228
5340115327351239
55 39940230553154
5279702447661202

VISA 16 digit

4556890741071538
4485574011682887
4485140394853147
4539497899067342
4 532035349478854
4929289188145485
4539712858297668
4532609827835650
4916837 066548413
4585321971289553

VISA 13 digit

4539115500749
4024007122605
4024007101807
4916865466216
4929773371204

American Express

341003800309967
345357133750495
342063173112215
370503039853127
377 750813997108

Discover

6011415710851258
6011780062747820
6011118838879355

Di ners Club

38243153871241
30361999869118
30065811164216

enRoute

214989328758475
21 4966068274855
214972403111141

JCB 15 digit

210092086760439
210001375131111
210051772887377

JCB 16 digit

3337275596724340
3528069347185128
3088733599456790

Voyager

8699274863 07998
869947222343180
869977612292226

Sears Credit Cards

Sears Credit Cards are offered throughout North America by Citibank, one of the major financial services providers in the world.

About Sears

Sears, Roebuck and Company is a subsidiary company of Sears Holdings Corporation. Based in Hoffman Estates, Illinois, it is a prominent retailer based in the United States.

Sears offers a comprehensive variety of home, garment, and automotive products to a large number of customers in the United States.


In 2003, the retail credit card division of Sears was sold to Citibank and the other card operations were taken over by JPMorgan Chase and Company.

Sears functions in Mexico under the brand name Sears Mexico and in Canada under the brand name Sears Canada. Sears is also issuing credit cards and other cards in association with Citibank
and JPMorgan Chase and Company.

Forms of Sears Credit Card

Sears Credit Cards are offered in the following types:
Sears Gold MasterCard
Sears Card
Sears Commercial One Card
Sears Home Improvement Account

Benefits Offered by Sears Credit Cards

Sears Credit Cards offer the following benefits to the cardholders:
No Annual Fee
In-store payments
Zero $ liability for unauthorized expenses
Monthly savings and valuable coupons for card members
Instant, secure access to your credit score
Special financing offers
Special card member offers
Temporary shopping pass
24 hours online account accessibility
Online payment options
Identity theft solutions
Life and health insurance

Sears Credit Card Extras

Sears is offering a number of add-on programs, which offer more flexibility to the credit cardholders and they include the following:
Additional users at no extra cost
Returns at Sears without a receipt
Temporary shopping pass at Sears and Kmart if you forget your card
Use your card at Sears, Kmart, Sears.com, Kmart.com, Lands End, The Great Indoors and more
Citi Identity Theft Solutions
AccountCare
Premier Program
Choice Rewards

Credit Card Debt Settlement Has Minor Tax Consequences

As an increasing number of credit card companies are agreeing to settle cardholder debts, it’s important that individuals recognize that there may be minor tax consequences associated with the settlement. A debt settlement is when the creditor allows the account holder to pay less than what is owed and consider the account paid in full.

A partially or fully forgiven debt through a settlement is sometimes considered as taxable income by the IRS and must be reported on your tax return if you saved more than $600 during the settlement. So if you owed $5000 on your credit card, and settled for $2,500 you would have to report $1,900 as income ($2,500 minus $600). The credit card company that settles the debt will send you and the IRS a Form 1099-C reporting the forgiven amount.

There are exceptions to having to count the forgiven debt as income, for individuals who are insolvent at the time of the settlement. Insolvent means you owed more than the fair market value of your assets.

A settled debt typically is marked as such on your credit report as well, which is better than a bankruptcy, but not as good as “paid in full” or “paid as agreed”.

If you do end up having to pay taxes on the amount of debt forgiven, chances are you will still come out ahead than if you continued to struggle and repay that debt with 27% interest and credit card late fees.

President Obama Wants to Sign Credit Card Reform Bill by Memorial Day

After using his weekly video address on 5/9/09 to continue his call for credit card reform, President Obama is pushing congress to have a bill ready for signing by Memorial Day.  In the address, Obama says, “There is no time for delay. We need a durable and successful flow of credit in our economy, but we can’t tolerate profits that depend upon misleading working families. Those days are over.”

For more than a month, the President has been talking with Congress to pass legislation to prohibit most of the more aggressive fees, interest rates and penalties that credit card companies charge their cardholders.  He’s met with the leaders of the largest credit card companies to try and get them to agree with the need for such changes,but most say the proposal of such legislation will only make it more difficult to lend money and therefore have a negative affect on the recovery of the economy.

Paying for the Poor Financial Habits of Others – The Credit Card Reform Bill

It’s doubtful that anyone could successfully argue against the need for some sort of reform to some of the credit card industry practices. While some of the changes included in the upcoming reform are going to benefit everyone – like having longer statement cycles to pay your bill without penalties and no more double cycle billing – the majority of the changes aren’t as great as they seem at first glance. The problem is with more government regulation of the finance industry, it appears that people who have been responsible with their personal finances are going to end up paying for the mistakes of others.

Who will qualify for credit cards?

Not many people currently have FICO scores greater than 750, but you will need a score that high to qualify for credit cards or home loans from banks once the reform has gone through. Even people who have been responsible with their finances may currently have credit scores under 750 – but they’ll be prevented from obtaining credit just like people who continuously spend more than they can afford to pay back.

If you do qualify for a credit card, you can bet that you’ll have to pay an annual fee in order to use it. Credit card companies have to cut fees in many areas under this reform, so they will compensate by raising fees that are still allowed – like annual fees.

Kids and Parents Graduate With College Debt

The reform will not allow people under 21 to obtain credit cards unless they have a parent co-sign. College kids will convince parents to co-sign because let’s face it, parents don’t want to worry that their kid’s don’t have access to emergency funds when they’re on the other side of the country at college, right? So yes, parents will give in and co-sign and parents will start experiencing the same credit card debt as college students upon graduation.

Higher Interest Rates

The new legislation will provide a provision that prevents companies from increasing interest rates after a missed payment for at least 60 days – but after that 60 days the companies can increase the interest rate to any "reasonable" rate they want. What if they increase their interest rates to 30% or more on over due balances? Your debt could double every three years even if you make your minimum payment.