VB 2005: How to read a digit from a number?

Dear experts:

I just learned how to read a character from a strong using the following code:

Dim strFirstNumber As String = strCardNumber.Substring(0, 1)

I wonder how to read a digit from a a number.

For example,  suppose that there is a number   78,234,596

How to read a seventh figure (which is  9)  and assign to a new variable (without converting to and from string to integer)?

Thanks a lot!
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           string s = "78,234,596";
                  s.Replace("," , string.Empty).Substring(6 , 1);

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