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It is used to validate the primary account number to protect against accidental errors.

The credit card numbers you generate on this page are completely random.

In order to complete a purchase a combination of data must be had, and merely a card number is not enough.

Information such as expiration date, card holders name and CVV numbers.

When we say they are valid, we merely imply that they are a possible combination of characters which will validate when passed through the MOD 10 algorithm.