Simple Steps to Change Your Credit Card PIN Securely

Keeping your credit card secure should be your top priority. When you change your credit card PIN regularly, it enhances your financial security. A PIN is a four-digit identifying number that is unique to each card, which means that without the right digits, it’s impossible to use it. 

When using a credit card, the payment system compares your user ID to your PIN and authorises the transaction. This same concept applies when withdrawing money from an ATM. If your user ID and PIN don’t match, then your transaction will be rejected. To protect your credit card, you must:

  • Create a strong PIN
  • Memorise it
  • Update it every few months
  • Not note it down where it’s accessible to anyone
  • Not using a combination that is easy to guess 

Whether you want to reset the PIN or update it if you have forgotten it, this guide will walk you through the process.

How to Change Your Credit Card PIN: Step-by-Step Details

Banks and credit card companies allow you to change your PIN online as well as offline to provide convenience and enhance protection. Here are the steps to change your credit card PIN quickly and securely using net banking and ATMs:

Through Net Banking or Mobile App

  1. Log in to your account on the issuer’s website or mobile app
  2. Navigate to the ‘Credit Card’ section in the menu
  3. Select the option to ‘Change PIN’
  4. A One-time Password (OTP) will be sent to your registered mobile number
  5. Enter the OTP for verification and proceed
  6. Decide on a new 4-digit PIN and enter it
  7. Re-enter the new PIN to confirm
  8. Click ‘Submit’ to finalise the change

Through an ATM

  1. Visit the nearest ATM of your card issuer
  2. Insert your credit card into the machine and select your preferred language
  3. Enter your existing PIN to access the menu
  4. Select the Change PIN’ option
  5. An OTP will be sent to your registered mobile number
  6. Enter the OTP for verification
  7. Choose a new 4-digit PIN and input it
  8. Re-enter the new PIN to confirm
  9. Click Submit’ to complete the process

Tips to Choose a Secure PIN and Keeping it Safe

You can protect yourself from scammers and fraudsters with a strong and secure PIN. Here are some tips to know about credit card PIN to keep in mind:

  • Avoid Obvious Numbers

Don’t use personal details such as your birth year, phone number, or address. Fraudsters often begin by targeting easily accessible information, so keeping these details private is essential.

  • Skip Sequential Numbers

Avoid using predictable sequences like 1234 or 9876. These are some of the most commonly guessed combinations and are often the first ones that fraudsters will try.

  • Mix Even and Odd Numbers

It’s best to mix both even and odd numbers when creating your PIN. Combining both makes the sequence more random, reducing the chances of your PIN being guessed.

  • Consider a Memorable Pattern

Create a pattern on the keypad that is meaningful to you but not obvious to others. This can help you remember your PIN more easily while making it harder for anyone to predict.

  • Avoid Repeated Digits

Stay away from PINs like 1111 or 2222, as these are far too easy to guess. Repeated digits are often among the first combinations tried by fraudsters.

  • Use Unique PINs for Different Cards

Don’t reuse the same PIN for multiple accounts. If one PIN is compromised, having different PINs for each card ensures the security of your other accounts.

  • Change Your PIN Regularly

Make it a habit to change your PIN every few months. Regular updates minimise the risk of long-term exposure if your details are compromised.

Troubleshoot Common Issue When Changing Your PIN

When you reset your credit card PIN, there may be times when you face difficulties. If you’re having trouble resetting your PIN online, follow these steps:

  • Keep Your Registered Mobile Number Active

When changing the PIN, you need to provide an OTP delivered to your registered mobile number. If you don’t have the number available or if the device is out of reach, the process may fail. Multiple attempts can also get your account blocked. This is why it’s important to be prepared with your mobile when changing the PIN on your card. 

  • Verify Your Internet Connection

A stable internet connection is essential for a smooth PIN reset process. Ensure your connection is strong and reliable.

  • Technical Glitches

Occasionally, technical issues on the bank’s side may cause problems. If this happens, try waiting a few hours and then attempt again.

  • Customer Support

If you’re still unable to reset your PIN, don’t hesitate to contact your bank’s customer support team for further assistance.

For better security, it is also important to choose an issuer with robust security measures. In your journey to choose the right credit card, consider the One Credit Card which comes with no annual or joining fees. Experience a smooth, digital onboarding process as activating your card takes less than 5 minutes!

You can earn 5X rewards on your top 2 spending categories each month, and points are credited instantly and never expire, allowing you to redeem them effortlessly without rounding off. Plus, with the MyFamily feature, you can share your credit limit with family members while maintaining full control over their spending. Download the app or visit the website to apply now and check all the offers and advantages of this stylish metal credit card.

By Rawat

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