# File lib/faker/finance.rb, line 9
      def credit_card(*types)
        types = CREDIT_CARD_TYPES if types.empty?
        type = types.sample
        template = numerify(fetch("credit_card.#{type}"))

        # calculate the luhn checksum digit
        multiplier = 1
        luhn_sum = template.gsub(/[^0-9]/, '').split('').reverse.map(&:to_i).inject(0) do |sum, digit|
          multiplier = (multiplier == 2 ? 1 : 2)
          sum + (digit * multiplier).to_s.split('').map(&:to_i).inject(0) { |digit_sum, cur| digit_sum + cur }
        end
        # the sum plus whatever the last digit is must be a multiple of 10. So, the
        # last digit must be 10 - the last digit of the sum.
        luhn_digit = (10 - (luhn_sum % 10)) % 10

        template.gsub('L', luhn_digit.to_s)
      end