The first number of the IIN depends on what major credit card company issued your card. For instance, all Visas start with the number 4, while Mastercards begin with either 5 or 2.

If you’ve never used your credit card company’s online banking option, you may have to enter your account number in order to create a login. If this is the case, you’ll need to call the credit card company to get the information you need.

When you call, you will likely have to provide the customer service agent with identifying information such as your social security number or mother’s maiden name.