How to Change Credit Card PIN Online

With a credit card, you can instantly buy something and pay for it later. The credit card company will send you a monthly bill based on how much credit you use. So, a credit card is a very important financial tool. But with everything now being digital, many credit card scams occur daily.

A PIN is a 4-digit number used to identify the card details. When you pay with a credit card, the payment service checks to see if your user ID and PIN match, and only then does it let you pay. When you take money out of an ATM, the same rule applies. Suppose your user ID and PIN are different. The transaction will not go through. To keep your credit card safe, it is very important to choose a strong PIN. Remember it, and change it every few months.

Initially, with the welcome kit, you get a PIN for your credit card. Once you get the kit, you should change the PIN for safety. But the question is how to change the credit card PIN or how to generate a credit card PIN. If you want to know the answer, continue reading.

What is a Credit Card PIN?

A PIN and a 4-digit chip protect a credit card. The four-digit number is a unique identifier given to every card user.

Users need the PIN for every single transaction they do with the card. Whether you’re taking money out of an ATM or shopping online, you’ll need to give your credit card PIN to confirm the transaction. Due to this system, it is safe to use credit cards to buy things. It is very important that you never tell anyone your PIN.

Activating Credit Cards 

You will get a 4-digit PIN with your credit card welcome kit. The first thing you should do when you get a new credit card is to change the PIN.

You can’t use your credit card until you create a new PIN. The process has become much easier because most cards are no longer sent out already activated. Instead, they need a PIN to be used.

Activating a card and making a new PIN are two separate things that users need to do. With “green” or self-generated PINs, making and changing PINs for credit cards is now easier.

How to Generate a Credit Card PIN?

You can create a credit card PIN at ATMs or online through the net banking account.

How to Generate a Credit Card PIN via ATM?

Step 1: Put your credit card in the ATM and select the language you want to use.

Step 2: Tap “Create PIN using OTP.”

Step 3: As soon as you click on that, a “One Time Password” will be sent to your registered phone number.

Step 4: Put the OTP in.

Step 5: Now, type in a 4-digit PIN of your choice.

Step 6: Type the PIN again and click “Submit.”

Step 7: After that, the bank will tell you that your PIN has been made. Call the bank if you have a problem while generating the PIN.

How to Generate a Credit Card PIN via Net Banking?

Step 1: Go to your online bank account and sign in.

Step 2: Select “Credit card options.”

Step 3: Hit the “Change PIN” button.

Step 4: The bank will then send an OTP to the phone number you gave them.

Step 5: Type in the OTP, then click “Continue.”

Step 6: Type the PIN you want.

Step 7: Retype the PIN and click the “Submit” button.

Step 8: After that, the bank will inform you that your PIN has been generated.

How to Change The Credit Card PIN?

How to Change a Credit Card PIN through an ATM?

Step 1: Place your credit card in the ATM and select the language you want to use.

Step 2: Enter your credit card’s existing PIN.

Step 3: Press “Change PIN.”

Step 4: Once you press that, a “One-Time Password” will be sent to your mobile phone number.

Step 5: Type the OTP.

Step 6: Now, enter a new 4-digit PIN of your choice.

Step 7: Type the PIN again and click “Submit.”

Step 8: The bank will tell you that your PIN has been modified by sending you a message.

How to Change a Credit Card PIN With Net Banking?

Step 1: Go to your online bank account and sign in.

Step 2: Select “Credit card options.”

Step 3: Hit the “Change PIN” button.

Step 4: After that, the bank sends an OTP to your registered phone number.

Step 5: Type in the OTP, then click “continue.”

Step 6: Enter your preferred PIN.

Step 7: Retype the PIN and click Submit.

Step 8: You will get a notification from the bank that your PIN has been updated.

Tips to Keep Your Credit Card PIN Safe

• Make sure you are alone in the ATM while using your cards.
• Ensure that no fake card readers are attached to the card slot. You can check if the card slot is real by giving it a light shake and seeing if it moves and seems loosely attached.
• You should never tell anyone your PIN or write it down. Make sure not to send it through email, text, etc.
• Choose a PIN for your credit card that isn’t easy to guess, like your birthday, your parents’ birthdays, etc. Keep it simple, but don’t give anything away.
• Don’t save your PIN on internet sites where you buy or sell things online. Also, don’t let your credit card PIN be saved automatically on sites where you buy things.
• Use webpages that start with “https” for payments because they are safe and will protect your personal information.
• As a safety measure, you should change your PIN often and check your bank statements to see if anything strange has happened.
• Try not to use the same PIN for all of your cards. If one of your cards is stolen, it could mean the same for your other cards.
• Don’t give your PIN to anyone who asks for your personal information, even if it’s someone who works at the bank. Also, watch out for phone calls and emails that trick you into giving out your credit card number or other private details.

Wrapping Up

The bank gives you a four-digit Personal Identification Number (PIN) when you get a credit card. This is to make sure that your transactions are safe. When you use your credit card to pay for something, you must verify the payment by entering your unique PIN. If you know how to change your credit card PIN, you can change it anytime to protect yourself from fraud. 

Piramal Finance has more blogs related to managing your personal finances. Visit their website to learn more and check out the products and services they offer.