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So if the CC # includes coding for the issuing company - Why the heck do I always have to identify which company on web forms?

Extra verification to say that you're legit


I think it's more to do with default programming. It means the designer of the cart software didn't have to put in any tables to identify the card type. Just another step to skip in field validation.

When I wrote some cart software for somebody, the reason for asking for the issuing company is to help spot stolen CCs. Not everybody can be bothered/knows how to find the issuing bank from the BIN. Even if they did know it, it'll be suspicious if they're using an Australian bank CC to mail order stuff to a American address etc...