Let's say that I'm Joe Blow and I work for Sears. I have a Sears credit card. The name on the card will not be "Sears" it will be "Joe Blow" so how is the card associated with Sears? The bin on the credit card will fall within a bin range for Sears. The bin is the first 6 or 7 digits of the credit card number.
Addendum 3/15/2016: bin stands for bank identification number
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