function isCreditCard(st) {
  // Encoding only works on cards with less than 19 digits
  if (st.length > 19)
    return (false);

  sum = 0; mul = 1; l = st.length;
  for (i = 0; i < l; i++) {
    digit = st.substring(l-i-1,l-i);
    tproduct = parseInt(digit ,10)*mul;
    if (tproduct >= 10)
      sum += (tproduct % 10) + 1;
    else
      sum += tproduct;
    if (mul == 1)
      mul++;
    else
      mul--;
  }

  if ((sum % 10) == 0)
    return (true);
  else
    return (false);
}

  .