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A check digit can allow you to instantly know if a number was typed in wrong, without consulting a database of valid numbers. I can't always tell you the number is correct, because there is around a 10% chance that a wrong number could have a correct check digit.

So in the case of credit cards, software can tell the user that the card number is definitely wrong before it ever sends it to the bank for processing, and that can save time, frustration, and maybe fees.



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