Typically, a credit or debit card will use all three tracks, although only track two is needed for most non-bank applications.
Track two contains the card number, the expiry date, and some other bank-specific information.
Track one usually contains the card holder’s name, and the card number, along with other bank-specific information.
Track three is bank-specific.
The card’s PIN (Personal Identification Number) is not stored on the card.
