I'd like to say I've never made that mistake. I can't. I'd like to say I used Luhn's algorithm to notice the error. I can't.
As part of how the trivia world works, the Luhn algorithm is what your credit card company uses to verify your card number. They only need the last number on your card. This saves computer costs and everybody time as it speeds up the verification process.
Look at your card: the first digit is the industry identifier (Visa is 4), the next five to seven digits are the issuer ID's (eg Chase), the last digit is the check digit, everything in between is your account number.
The check digit is determined ) by:
1) write down all the numbers except the last one- the check digit
2) starting from the right, double every OTHER number
3) add up all the digits- not numbers! for example 8 doubled is 16, but the digits add up to 7.
4) This sum, when added to the check number, must be a multiple of 10, for example: if a sum is 67, and the check digit is 5, then the credit card is invalid because the check digit must be 3.