formatDebitCard.kt

private fun formatDebitCard(editable: Editable, paddingPx: Int) {
    val textLength = editable.length
    // first remove any previous span
    val spans = editable.getSpans(
        0, editable.length,
        PaddingRightSpan::class.java
    )
    for (i in spans.indices) {
        editable.removeSpan(spans[i])
    }

    // adding spans 
    for (i in 0 until textLength) {
        // 000`0` 000`0` 000`0` 0000
        if (i in arrayOf(3, 7, 11)) {
            val marginSPan =
                PaddingRightSpan(paddingPx)
            editable.setSpan(marginSPan, i, i + 1, Spannable.SPAN_EXCLUSIVE_EXCLUSIVE)
        }
    }
}