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Anyone can make a website with a form and require you to insert valuable and sensitive information which requires you to give up your privacy.
This is a way to protect yourself in such situations.
If this digit is 9 the next three digits are the country code from ISO 3166-1.
The other reason we made this are programmers testing ecommerce websites, applications or other software.
They usually need lots of fake data, and this is a very easy way to generate a bunch of valid credit card numbers in a split second.
Read more about CNP transactions and how you need more information about a card to make a purchase remotely. If you've ever found yourself trying to try a product online which required a credit card, even when you just want to take a look, you know why we made this.
We believe there's no need to share such information with providers without the actual intent to buy stuff.