FakecreditcardAbout BIN 370286
BIN 370286 is listed as an American Express Personal credit card issued by China Merchant Bank in China. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards. Personal marks an entry-level consumer product.
China Merchant Bank has fewer than ten BINs in our data, so it has no bank page; 6 BINs starting with 370 belong to it.
China has 18,370 BINs in the dataset; among the 6,236 that name an issuer, the main networks are UnionPay (39%), Private label (21%), Local brand (15%), and 66% are debit. See the China BIN list or the China card generator.
American Express number format for BIN 370286
| Starts with | 370286 (the BIN). First digit 3: travel and entertainment |
|---|---|
| Length | 15 digits |
| Security code | 4-digit CID on the front |
| Check digit | The last digit, calculated with the Luhn algorithm |
| Printed as | 3702 868355 43288 |
When you test with this BIN, check that your form shows the American Express logo, groups the 15 digits correctly and rejects numbers whose check digit is wrong. The generator creates as many numbers with this BIN as you need, with expiry dates and CVVs, as CSV, JSON or XML.
Nearby BINs
BINs just below and above 370286. Banks often hold consecutive ranges, so neighbours can be sister products of the same issuer.
More BINs from China Merchant Bank
Frequently asked questions
Which bank issued BIN 370286?
BIN 370286 is registered to China Merchant Bank in China. The dataset lists the website english.cmbchina.com. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 370286 a debit or a credit card BIN?
It is recorded as credit, product level Personal. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards.
How many digits does a card with BIN 370286 have?
American Express card numbers have 15 digits, and the security code is a 4-digit CID on the front. The first six digits are the BIN, the last digit is the Luhn check digit, and the digits in between identify the account.
Can I generate test card numbers with BIN 370286?
Yes. Open the generator with this BIN to create Luhn-valid numbers with expiry dates and CVVs for testing forms, validation and BIN-based rules. They are test data: not issued by China Merchant Bank, linked to no account and declined by real payment systems.
Does a BIN tell me whether a card is valid?
No. A BIN describes a range of card numbers — network, issuer, country and product — not a particular card. Whether a card exists or can be charged is known only to the issuing bank. To check the format of a full number (length and check digit), use the card validator.
A BIN identifies the card network and the issuing institution only. It reveals nothing about an individual card, cardholder or account, and it cannot show whether a card exists or can be charged. Test numbers generated from a BIN are for development and QA only and are declined by every real payment system.
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BIN data: bin-list-data by Venelin Kochev (a lite version of binlookup.io), licensed under CC BY 4.0. Changes made by Fakecreditcard: issuer, brand and country names re-cased and standardized, spelling variants of the same issuer merged, malformed phone numbers and web addresses removed.