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Each credit card company starts their cards with a different number: 3 – American Express (AMEX) 4 – Visa 5 – MasterCard (MC) 6 – Discover (Disco) Each card company has its own types of cards. Here are the basics: Visa Classic – a universal payment tool, adopted worldwide at any location designated by the Visa logo, including ATMs, real and virtual stores, and stores offering goods and services by courier and by phone.