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Default Formatting for credit card number input

I have a cell in which the user will input a credit card number and I want it
to display a format based on the type of card. So Visa / MC should be "####
- #### - #### - ####" but Amex should be "####-######-#####" - the user will
choose the type of card in another cell so what's the most effective way to
conditionally format the input to display properly based on the card type?
 
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