Credit cards are now a need for all of our financial transactions in the modern digital age. You can learn how to Change your Credit Card PIN in this article.
However, protecting our credit cards and retaining PIN (Personal Identification Number) privacy is essential in light of the growing security issue.
Changing your credit card PIN is an efficient technique to improve security and shield yourself from potential fraud or illegal access.
Understanding the Significance of Changing Credit Card PIN
A key component in safeguarding your financial transactions is your credit card PIN. When your PIN is regularly changed, your credit card is more secure against unwanted access and potential fraud attempts.
By updating your PIN, you ensure that it will no longer work even if someone gets their hands on your previous PIN.
What Is a Credit Card Pin?
A Credit Card PIN is a unique 4-digit code you set up to verify your identity while using your credit card. It is required to transact at a physical store or take a cash advance from an ATM.
The PIN is vital to your credit card security and should be changed frequently to prevent unauthorized access.
How To Change Your Credit Card Pin?
These are ways to change your credit card pin.
Changing Credit Card PIN at ATM Machine
Follow the below process.
- Please insert the credit card into the ATM and select the language of your preference.
- Enter your existing credit card PIN.
- Click on ‘change PIN.’
- A ‘One Time Password’ will be sent to your phone number as soon as you click on that.
- Enter the OTP.
- Now, type in a 4-digit PIN of your choice.
- Retype the PIN and click on ‘Submit’.
- The bank will then message you that your PIN has been changed. Contact the bank if you still need to attempt to change your PIN.
Changing Credit Card PIN through Net Banking
These are the steps you need to follow.
- You must first sign in to your net banking account.
- Then select “Credit Card Options.”
- ‘Change PIN’ should be clicked.
- After that, the bank sends an OTP to the registered mobile number you provided.
- Type in the OTP and press “continue.”
- Choose a PIN and enter it.
- Retype the PIN and press “Submit.”
- Following that, the bank will let you know that your PIN has changed. If you still need to try to update your PIN, get in touch with the bank.
Contact the Customer Care:
If you’re uncomfortable using net banking, ATM, or mobile app, contact your bank’s customer care to generate or change your credit card PIN.
The customer care person will guide you through the process and help you change your PIN.
Use Mobile App:
Many credit card lenders offer mobile apps that allow you to change your credit card PIN. Download the app, Go to log in and log in to your account, and navigate to the credit card section.
From there, select the option to change your PIN and follow the instructions provided by the bank.
- Draft an email requesting the concerned officials of your bank to generate a PIN for your credit card.
- Write a mail and send it to the concerned email address of your bank.
- Upon receiving the email, your banking officials will contact you for further steps.
Through Bank’s Website
- Visit your bank’s official website using your credentials, and log in to your online account.
- Visit the ‘Credit Card PIN change’ section.
- Enter your credit card data, such as your number, CVV and expiry date.
- Enter and re-enter the PIN of your choice and click on ‘Submit’.
Visit the nearest bank branch:
If you prefer to generate or change your credit card PIN in person, you can visit your bank’s branch and follow these steps:
- Carry your credit card and valid government-issued ID proof to the bank.
- Ask for help at the customer care desk or the credit card department.
- Inform the representative that you want to generate or change your credit card PIN.
- They will verify your identity and initiate the process.
- Once your identity is verified, they will ask you to choose a new 4-digit PIN or generate a random one.
- They will update the new PIN in their system and ask you to verify it by using it to make a transaction.
- After successful verification, the process will be complete.
How To Safeguard Your Credit Card Pin?
Once you have generated or changed your credit card PIN, it is necessary to take steps to save it.
Utilize a strong PIN:
Avoid using simple or predictable PINs, such as 1234 or birth year. Instead, pick a random combination of numbers that would be difficult for someone to guess.
Remember your PIN:
Please do not write it on your card or store it in your phone or wallet. Instead, remember it and avoid sharing it with anyone.
Please Cover the keypad:
When entering your PIN at an ATM or any place, cover the keypad with your hand or body to safeguard others from seeing your PIN.
Be aware of your surroundings:
Always be mindful of your surroundings when entering your PIN in public. If someone watches you, cancel the transaction and use a different ATM or terminal.
Check for skimming devices:
Fraudsters often use skimming devices to steal credit card data. Before using an ATM or a card reader, check for any signs of tampering or unusual devices attached to the machine.
Always check your bank account:
Regularly monitor your credit card account for any unauthorized transactions or suspicious. Contact bank people or credit card companies immediately if you notice anything unusual.
Change your PIN regularly:
Changing your PIN can add more security to your credit card. It has recommended to change your PIN at least once every six months.
Whether you prefer net banking, an ATM, a mobile app, or customer care, there are many ways to change your credit card PIN. Remember not to share your PIN with anyone and to keep it confidential.
Changing your credit card’s PIN is a quick and effective technique to safeguard yourself against potential fraud and illegal access.
Never disclose your PIN to anyone; always choose a secure one. Check your credit card statements frequently for any unexpected activity.
While it may not be mandatory, it is highly advisable to change your PIN regularly to enhance security. The PIN is important to your credit card security and should be changed frequently to prevent unauthorized access.
And change it every few months to safeguard your credit card.
Using online means, you can change your PIN through Internet banking, mobile app, writing an email to the bank, or your bank’s website. You can change your PIN offline by visiting the bank’s branch or through the ATM.