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  • Credit Card PIN

    Every credit card is secured with a 4-digit chip and PIN system. This system makes transactions that are made using this card safe and secure. In fact, this system plays a significant role while withdrawing money from ATMs also. By definition, it a 4-digit unique identification number that is assigned to a particular card of a user. While using the card, the cardholder needs to enter the PIN. The payment system matches the PIN and the user ID before giving permission to the customer to make any transaction. It is a measure that is taken by the banks to secure one's credit card. Hence, the PIN should not be shared with anybody.

    How to Activate a Credit Card?

    Credit card activation is another important step in using your credit card for the first time. Most of the banks or card issuers, send a new credit card in active state. However, only when you generate the PIN, you can start using your credit card.

    Earlier, when banks used to generate credit card PINs, there used to be a separate card activation process. But now with the introduction of green PIN and self-PIN generation, cards are being sent in active state.

    Therefore, once you receive the new credit card, try any one of the above-mentioned methods to generate the PIN and use your card for PIN-required transaction such as ATM withdrawal, POS transaction, etc. Once you use your credit card for the first time, your card gets activated automatically.

    If you find any difficulty in using your card with the new PIN and when you're sure of using the correct PIN, call the respective credit card customer care and report the issue.

    The concerned team would help you activate your credit card.

    Who Allots The Pin Number?

    Banks provide the cardholders with the PIN of their credit card in the welcome kit. However, banks insist that the cardholders change the PIN once they receive the kit by going to an ATM. The PIN should be kept confidential under every circumstance.

    How to generate a credit card PIN

    Customers can generate a credit card PIN either at an ATM or via their online net banking account.

    Generating a credit card PIN at an ATM:

    • Insert your credit card in the ATM machine and choose the language of your preference.
    • Click on “create PIN using OTP”
    • As soon as you click on that, a “One Time Password” will be sent to your registered mobile number.
    • Enter the OTP.
    • Now, type in a 4-digit PIN of your choice.
    • Re-type the PIN and click on “Submit”.
    • The bank will then send you a message that your PIN has been generated. Contact the bank if you haven’t attempted to change your PIN.

    Generating a credit card PIN via your net banking account:

    • Login to your net banking account.
    • Click on “credit card options”
    • Click on “Change PIN”.
    • The bank will then send you an OTP to your registered mobile number.
    • Enter the OTP and click on “continue”.
    • Enter the PIN of your choice.
    • Re-enter the PIN and click on submit.
    • The bank will then notify you that your PIN has been generated.

    How to change your credit card PIN

    Customers can change their credit card PIN either through their net banking account or at an ATM.

    Changing a credit card PIN at an ATM:

    • Insert your credit card in the ATM machine and choose the language of your preference.
    • Enter your existing credit card PIN
    • Click on “change PIN”
    • As soon as you click on that, a “One Time Password” will be sent to your registered mobile number.
    • Enter the OTP.
    • Now, type in a 4-digit PIN of your choice.
    • Re-type the PIN and click on “Submit”.
    • The bank will then send you a message that your PIN has been changed. Contact the bank if you haven’t attempted to change your PIN.

    Changing your credit card PIN through your net banking account:

    • Login to your net banking account.
    • Click on “credit card options”
    • Click on “Change PIN”.
    • The bank will then send you an OTP to your registered mobile number.
    • Enter the OTP and click on “continue”.
    • Enter the PIN of your choice.
    • Re-enter the PIN and click on submit.
    • The bank will then notify you that your PIN has been changed. Contact the bank if you haven’t attempted to change your PIN.

    Credit card PIN safety precautions

    To ensure the safety and confidentiality of your credit card from fraudsters and hackers, follow the safety precautions mentioned below:

    • Ensure that your credit card is swiped in your presence. This will prevent chances of skimming (duplicating the details of the card using a skimming device) or any fraudulent activity.
    • Never share your credit card details through emails, SMS services, etc.
    • Always ensure that the websites you are making online transactions are secure. Websites starting with “https” are generally authentic and secure.
    • Never save your credit card details on any merchant websites.
    • At no point should your write down your credit card PIN on your card or on a paper.
    • Make sure you go through your credit card details every month to ensure that your money is not being misused or to check if there are any discrepancies.

    FAQs

    1. Will the credit card PIN be the same for my credit add-on cards as well?

      No, you will receive a separate PIN for your add-on cards. This will enhance your security as well.

    2. Do all credit cards come with reward points?

      Yes, all credit cards come with rewards points as it is sort of an incentive for using your credit.

    3. Will my virtual credit card have the same PIN as my actual credit card?

      For safety reasons, the credit card PIN for your virtual card will be different as well.

    4. What is a CVV number? I know the rest of my credit card details except my CVV number.

      The CVV number is the three-digit number on the back of your card. You will be required to use the 3-digit number as part of the verification process for most online transactions.

    5. What is the first thing thing that I should do if my credit card is lost or stolen?

      You should block your card immediately. This will ensure that no one can misuse your credit card. You can block your credit card by calling your bank’s customer care or through your net banking account - which can be done with a few steps.

    Check Other Banks Credit card PIN Genaration

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