The details of the card holder and about card are kept in the magnetic stripe, which is made up of tiny iron-based magnetic particles in a plastic-like film. Each particle is really a tiny bar magnet about 20-millionths of an inch long. It is a three track stripe. Each track is about one-tenth of an inch wide. Credit card typically uses only tracks one and two. Track three is a read/write track (which includes an encrypted PIN, country code, currency units and amount authorized), but its usage is not standardized among banks. This is the heart of a card.
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