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The first three digits of a ZIP Code together usually indicate the central mail processing facility, also referred to as a sec center or sectional center facility to which that ZIP Code belongs. This facility is the mail sorting and distribution center for a zone or area.

Since our caller works for the U.S. government, and ZIP codes are a government thing, I checked the US Printing Office style guide first. It recommends ?ZIP Code.? Associated Press style is similar: ?ZIP code??two words with ?ZIP? in all caps?but it uses a lowercase C, and I was surprised it would deviate.

So what do the extra numbers mean? These last 4 digits represent specific delivery routes within delivery areas. This extra detail means an even more precise matching to a more granular level. It could represent a handful of houses on one side of a street, or even a single building that receives a high volume of mail.

The correct format for a numeric ZIP+4 code is five digits, a hyphen, and four digits. The first five digits represent the 5-digit ZIP Code; the sixth and seventh digits (the first two after the hyphen) identify an area known as a sector; the eighth and ninth digits identify a smaller area known as a segment.

Ensure that there are no missing characters or misspellings in the name and address you entered and that the card number you entered is correct. Double-check the zip code and ensure it matches the one it has on file. Please contact your bank to check what the card-issuing bank has on file if necessary.

A credit card postal code is the ZIP code associated with a credit card's billing address. That's the address you provided on your application, unless you've since moved and updated your information. And it's where you receive your statement every month, if you haven't gone paperless.

These digits, in conjunction with the first digit, represent a Sectional Center Facility (SCF) or a mail processing facility area. These areas are serviced by the U.S. Post Office SCFs. Note that a single SCF often services multiple three-digit areas.