Bank Of The West Credit Card Application
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The BIN Database and IIN Database for Merchant Lookup of Bank Identification Number List or Issuer Identification Number List
Author: Roger Powers
The BIN Number or the IIN Number is the first 6 digits of the credit card number for all MasterCard, Visa, American Express (AMEX) or Discover credit cards and debit cards.
BIN stands for Bank Identification Number which is the same as the IIN, which stands for Issuer Identification Number.Â
The BIN is very helpful in determining the following:
Bank Of The West Credit Card Application
- Type of card (MasterCard, Visa, American Express, Discover)
    - MasterCard Starts with a 5, Visa with a 4, Amex with 3 and Discover with 6
- Debit or Credit or sometimes Gift Card
- Name of card issuing bank (Citibank MC, or Wells Fargo Visa Debit etc.)
- Phone number to call for code - 10 authorization or other questions
- Country of origin: US Card or from Canada? Nigerian or Russian MasterCard?
This information is published by American Express and Discover for merchants and available from Visa and MasterCard in the form of the Visa Interchange Directory for Visa BINÂ and the Mastercard Member Directory for MasterCard BIN Numbers.
For merchants that do not qualify for access to this list via their merchant provider, BIN lookup using a BIN database or BIN list can be difficult. The most common uses are the following:
Bank Of The West Credit Card Application
BIN List and BIN Lookup Applications:
- Determine if card is credit or debit
 - Different terms such as rental car or travel industry
 - Different fees to the customer for debit vs. credit
 - Decline transactions that don't fit the requirements
- Determine if card is from a valid country for the sale
 - Need to sell only to U.S. customers? Verify with a BIN check
 - Exclude countries with embargo orders or watched nations
 - Charge appropriate fees to foreign card holders
- Find out the bank phone number and bank name
 - Call in a code 10 authorization if you question the charge
 - Report suspicious activity and be sure of the transaction
 - Authenticate the cardholder with the right phone number
- Verify all information to reduce fraud in any industry
Incorporating a list of Bank Identification Numbers in an internal system like a website shopping cart, a call center check out screen, credit card authorization software, accounts receivable department or any other application where knowing the card type and contact information for the issuer is helpful.
The BIN Database and IIN List are under-utilized in many industries where merchants are scrambling for this information. If you cannot find the database from your merchant provider, consider a private source.
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what is this? (in details)?
FIRST ATLANTIC BANK OF NIGERIAN PLC.
Mercantile Bank Of Nigeria Plc 17,
Nnamdi Azikwe Street
Owerri-Imo State,Nigeria
Phone:+234-8026032419.
Email:webfirstatlanticnigeriaplc@live.com
First Atlantic Bank of Nigeria Int’L Ltd.
International Remittance Department
Mercantile Bank House #17,
Nnamdi Azkiwe Street,
Imo state, Nigeria.
Telephone +234-8026032419.
Ref No: FABI/C/001/009.
Date: April 19th 2008,
Attention: SHAHBAZ KHAN BHATTI,
ACKNOWLEDGEMENT OF APPLICATION FOR CLAIM.
This is to inform you that the International Remittance Department; First Atlantic Bank Int’L Ltd is in receipt of the FCBI: WINNING PRIZE / BENEFICIARY APPLICATION FORM.
After due verifications/consultations,we issue this acknowledgment letter to you thereby assuring you of our readiness to release the fund to your designated bank account. Via Bank to Bank Wire Transfer.
All the below requirement are hereby necessary to enable us commence processing of the payment to your account without any delay .
(1) YOUR BANK ACCOUNT NUMBER AND THE NAME OF YOUR BANK[where you want the fund to be transfered]
(2) A COPY OF IDENTIFICATION (PASSPORT ) OR (ID CARD) SCAN AND SEND IT TO US.
(3) YOUR HOME ADDRESS.
(4)A COPY OF SWORN AFFIDAVIT CERTIFICATE OF CLAIM,(From Federal High Court of Nigeria,) which will give this bank legal right to release your prize.
We need all the above information from you,to enable us compare/reconfirm with the facts and figures we have here in your payment file and it will help us to avoid misappropriation of payment or release of your final payment approval documents to a wrong beneficiary .
Though your personal details are still intact and already here with us, but we are trying to make sure that you are the rightful beneficiary we are contacting and about to pay .
So please , Do bear with us as we do not mean to offend you but trying to put things in the right order and perspective . once you re-confirm all the information and we find them okay , we shall contact you on the modalities of processing your fund for immediate transfer.
Once again I congratulate you on behalf of the entire FIRST ATLANTIC BANK PLC management on your winning.
FAB (Merchant Bankers) PLC maintains a correspondent banking relationship all the west africa and New Zealand (ANZ) Banking Group, The swiftness and efficiency of this service is enhanced by the on-line computer link maintained with the ANZ, which ensures fast processing of Forms M and the establishment of letters of credit. The FAB Banking Group has branches all over the west Africa and the on-line service avails FAB customers of the wide branch network
We are ready to give you the best of our service anytime any day.
Contact us with this E-mail address:webfirstatlanticnigeriaplc@live.com
We work from 8:00am till 6:30pm Saturdays
IF FOUND ANY INCORRECT WRITE IT AND SEND TO US.
Thanks for your Co-operation.
Mr.Okey williams
Director International Remittance Department
First Atlantic Bank Plc.
Contact us with this E-mail address:webfirstatlanticnigeriaplc@live.com
Online Banking
Total scam! They want that information and documents from you to steal your identity and money!!!!! I’d turn it over to the authorities. Don’t do what they want or you will get ripped off!
A FOOL AND THIER MONEY ARE SOON PARTED !
Jesus, Mary and Joseph…..a $600K house? $9/hr income. You must be kidding me. What was this man thinking in ANY language???
WTF????????????????
Should we feel sorry for this family because of “their” bad choices?
The American Dream turns into a debtor’s nightmare
A sad, but common, tale starts with alleged predatory lending, intensifies with impossibly high payments and usually ends in foreclosure.
By Jennifer Delson and and Christopher Goffard, Los Angeles Times Staff Writers
October 8, 2007
Soledad Aviles dreamed for years of owning a home, with a plot of land where he could grow corn and chiles as he did in his native Mexico. So he felt blessed last year when he learned he could buy a three-bedroom, single-story stucco house on West La Verne Avenue in Santa Ana.
Referred to a local loan broker by a trusted friend, he borrowed the entire purchase price of $615,000 from Washington Mutual at a high interest rate typical of sub-prime loans. The monthly payment, as he says he understood it, would be $3,600 — steep for a glass cutter who made $9 an hour — but Aviles counted on his wife and three of his six daughters, who also worked low-paying jobs, to contribute.
“We took out our pencils, figured out our take-home pay and figured out that if we all pitched in, it would work,” said Aviles, 54, a stoop-shouldered, soft-spoken man with a sixth-grade education from Mexico.
Relying on the broker’s word, he signed loan documents written in English, a language he neither speaks nor reads, Aviles said. He was shocked to learn afterward that the monthly payment would not be $3,600, but $4,800 — a price that forced him to rent out bedrooms, the garage and an enclosed porch while he and his wife slept on the couch. He fed his family with food from friends and corn he grew.
Aviles says he was not aware that the February 2006 loan application he signed dramatically exaggerated his family’s income. The application lists him as the owner of a landscaping business with a $7,400 monthly income. His 27-year-old daughter Marlene, who earns $9 an hour in a noodle factory, appears as the owner of a housecleaning company who makes $5,700 a month. The application lists their yearly income as $157,000, when, according to Aviles, it was really closer to $60,000.
Now, five months behind on his payments, Aviles is scrambling to sell the house before the bank forecloses. Desperately ill from kidney disease and unable to work for the last year, he sits dejectedly at the dining room table, wondering when the bank will kick him out.
Aviles’ situation is hardly unique. Add his name to the ever-expanding list of casualties in the nationwide sub-prime mortgage debacle, his experience echoing that of thousands who bought homes in recent years only to find themselves in a sagging market saddled with payments they cannot make.
But amid the storm of foreclosures, his story illustrates the special vulnerabilities of first-generation immigrants in places like predominantly Latino Santa Ana, where city leaders have identified about 800 sub-prime borrowers facing the potential loss of their homes.
“We think this is just the tip of the iceberg, in terms of the breadth and depth,” said Steve Harding, Santa Ana’s deputy city manager. Apart from the language barrier, he said, many first-generation immigrants might have been especially vulnerable to sub-prime lending because they avoided checking accounts and credit cards, which prevented them from qualifying for regular loans.
The city has teamed with the Fair Housing Council of Orange County to offer free foreclosure prevention workshops, hoping to teach people to avoid predatory lenders and find help as they face the loss of their homes.
The Fair Housing Council said the number of people seeking help over mortgage woes, many of them Latinos living in Anaheim and Santa Ana, has soared. The group typically receives 15 to 20 complaints annually, but in September of this year the group received more than 20. The state Department of Real Estate, nonprofits and the Mexican consulate also have reported a rise in mortgage complaints, many of them from homeowners saying they signed documents they didn’t understand.
Across the state, many cases are landing in court. Kerstin Arusha, a directing attorney at the nonprofit Law Foundation of Silicon Valley, said that Spanish speakers, along with the elderly, “seem to be hardest hit by both sub-prime lending and predatory lending. There are many borrowers out there that were misled about the terms of the loan.”
The Law Foundation is suing a broker, real estate agent and lender in federal court on behalf of nine Santa Clara County families, many of whom speak only Spanish, contending they were lured into mortgages they didn’t understand. The lawsuit alleges that the broker inflated incomes on loan applications, misrepresented the terms of the loans and stuck clients with higher payments than they had been promised.
The victims “thought they saw the promise of the American Dream, and instead they ended up with a nightmare,” Arusha said. “I think they were seen as easy targets for predatory lenders who could sell them a bill of goods without giving them disclosures in a language they understand.”
The Law Foundation is handling 10 other cases involving predatory lending, half of them for Latino clients, Arusha said.
But in Orange County, the district attorney’s office has not reported an increase in prosecutions for fraudulent lending. Elizabeth Henderson, a prosecutor in the county’s fraud unit, said many such crimes go unreported in immigrant communities because of a distrust of law enforcement and confusion over what had occurred.
“They’re not really sure what they were promised, so they don’t know if they were cheated,” she said.
Sitting in his Santa Ana home, waiting for the bank to kick him out or for his kidney to kill him, Aviles did not hesitate to characterize what had happened to him: “They used me, nothing more.”
He was led astray, he said, by a man he had considered a dear friend, Carlos Lares. They used to work in a factory together. He said Lares showed him about a dozen homes, including the one he bought, and offered to arrange a mortgage.
State records show Lares lacks the real estate license required to show homes. In an interview with The Times, Lares denied showing homes and said he merely took Aviles to the office where he works, Century 21 South Coast. He declined to comment further. His business card lists him as a “team service associate.”
Part of me does feel bad for him, but he was stupid to think he could even make payments o $3600 a month, when he and his wife only make $9.00 an hour.
WE should not have to bail him out or bail out others like them. This article is the start of letting the taxpayer bail these people out of their situations. Screw the people who made educated choices.
“”"Jesus, Mary and Joseph…..a $600K house? $9/hr income. You must be kidding me. What was this man thinking in ANY language??? “”"”
LOL that is the going rate in this part of the country. What is sad……. the majority of Santa Ana is a dump…… it is an illegals haven…… It is little TJ