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As you can see these would be very hard to calculate without the bank’s keys.
A very good article about the credit card number format can be found here: Anatomy of Credit Card Numbers As you can see below I get a lot of feedback about this page.
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There’s usually other terms in the fine print, by the way.
By the way, hedge funds analyze these collections of bad credit card debt like they would any other investment.
It’s “I will do X, and if I don’t satisfy my responsibility, you can do Y”.
Easy: they pay 3 to 6 cents for every dollar you borrowed.
Maybe they give the collection agencies, on average, two cents.