How to Get a PIN Number for Your Credit Card

A credit card Personal Identification Number (PIN) is a four-digit security code that verifies your identity for certain transactions. It adds a layer of protection, similar to a password, by confirming the cardholder’s authorization. While not all credit card transactions in the United States require a PIN, it is essential for specific types of card usage, enhancing security against fraud and unauthorized purchases.

Methods for Obtaining or Resetting Your PIN

Obtaining a new PIN or resetting a forgotten one typically involves direct interaction with your credit card issuer, as procedures can vary significantly between financial institutions. Many issuers provide options through their online portals or mobile applications. You can log into your secure account, navigate to “Card Services” or “PIN Management,” and follow prompts to request a new PIN or set one up. This process often includes identity verification steps, such as answering security questions or receiving a one-time passcode to your registered phone number.

Another common method involves contacting customer service by phone. When calling the number on the back of your card, you will typically go through an automated system or speak with a representative. Identity verification, which may require your account number and answers to security questions, will be necessary. While some issuers allow setting a new PIN over the phone, it is more common for a new PIN to be mailed to your address on file, arriving within 7 to 10 business days.

Some credit card companies may offer the option to request a PIN via mail, sometimes involving a physical request form. Upon account opening, a PIN might also be sent in a separate mailing from the card itself. While some ATMs allow you to change an existing PIN if you know the current one, they generally do not provide a way to obtain a new PIN if it has been forgotten or never received.

When and Where Your PIN is Used

A credit card PIN is necessary for transactions that require an additional layer of authentication beyond a signature or chip insertion. One common use is for cash advances, where the PIN is required to withdraw cash from an ATM using your credit card. Cash advances typically incur fees, and interest usually begins to accrue immediately without a grace period, making them a costly way to access funds.

For international transactions, a PIN is frequently required due to the widespread adoption of “chip and PIN” systems. In many countries, especially in Europe, transactions at point-of-sale terminals and ATMs often necessitate PIN entry. This is particularly true for unattended terminals, such as gas pumps, parking meters, or public transportation kiosks, where a signature cannot be collected. Having a PIN helps ensure your credit card functions when traveling abroad or using automated services.

Safeguarding Your Credit Card PIN

Protecting your credit card PIN is important for maintaining financial security. Memorize your PIN and avoid writing it down. If you record it, store it securely and separately from your credit card, perhaps disguised or within a password-protected digital note, never in your wallet alongside the card.

When entering your PIN at an ATM or point-of-sale terminal, shield the keypad with your hand to prevent “shoulder surfing” by onlookers or hidden cameras. Be vigilant against attempts to trick you into revealing your PIN through scams, such as phishing emails, text messages, or phone calls. Legitimate credit card issuers will never ask for your PIN via these channels. If you suspect your PIN has been compromised or notice unauthorized activity on your account, contact your credit card issuer immediately to report the issue and request a new PIN.