Credit Card Pin is a 4-digit unique identifying number issued to a user’s specific card. While using the card, the cardholder must enter the PIN. Before allowing the consumer to make any transaction, the payment system compares the PIN and the user ID. Banks implement a security mechanism to protect one’s credit card. 

How to Activate a Credit Card

Another critical step in using your credit card for the first time is activation. Most banks or card issuers send a new credit card that is active. However, you cannot use your credit card until you generate the credit card pin. So, to generate the credit card pin Visit the lender’s official website on the credit card login page.

Previously, when banks generated credit card PINs, there was a separate card activation procedure. Cards are now being sent in an active condition due to the introduction of green PIN and self-PIN creation.

As a result, after you receive your new credit card, utilize any of the techniques listed above to establish the PIN and use your card for PIN-required transactions such as ATM withdrawals, POS transactions, and so on. It is instantly activate when you use your credit card for the first time. If you have any problems using your card with the new PIN and are confident that you are using the proper PIN, contact the credit card company and report the problem.

Who Makes the Decision on the Pin Number?

In the welcome package, banks supply customers with their credit card PINs. However, banks need cardholders to alter their PIN after receiving the kit by visiting an ATM. Under any circumstances, the PIN should be kept private.

How to Make a PIN for a Credit Card

Creating a PIN for a Credit Card at an ATM

Step 1: Insert your credit card into the ATM and select your preferred language.

Step 2: Select ‘generate PIN using OTP’.

Step 3: Once you click this, a ‘One Time Password will be issue to your registered cellphone number.

Step 4: Type in the OTP.

Step 5: Enter a 4-digit PIN of your choosing.

Step 6: Retype the PIN and press the ‘Submit’ button.

Step 7: The bank will notify you that your PIN has been generate. Contact the bank if you haven’t tried to update your PIN yet.

Making a Credit Card PIN with Your Net Banking Account

Step 1: Access your online banking account.

Step 2: Select ‘credit card choices.’

Step 3: Select ‘Change PIN.’

Step 4: The bank will then give you an OTP to the cellphone number you provided.

Step 5: Enter the OTP and press the ‘proceed’ button.

Step 6: Enter your preferred PIN.

Step 7: Re-enter the PIN and press the submit button.

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

How to Change the PIN on Your Credit Card

Customers can change their credit card PIN at an ATM or through their net banking account.
By following the steps Changing the PIN on a Credit Card at an ATM

Step 1: Insert your credit card into the ATM and select your preferred language.

Step 2: Input your current credit card PIN.

Step 3: Select ‘Change PIN’.

Step 4: After you click it, a ‘One Time Password will be email to your registered cellphone number.

Step 5: Type in the OTP.

Step 6: Enter a 4-digit PIN of your choosing.

Step 7: Retype the PIN and press the ‘Submit’ button.

Step 8: The bank will notify you that your PIN has been update. Contact the bank if you haven’t tried to update your PIN yet.

Changing the PIN on your Credit Card using your Net Banking Account

Step 1: Access your online banking account.

Step 2: Select ‘credit card choices.’

Step 3: Select ‘Change PIN.’

Step 4: The bank will then give you an OTP to the cellphone number you provided.

Step 5: Enter the OTP and press the ‘proceed’ button.

Step 6: Enter your preferred PIN.

Step 7: Re-enter the PIN and press the submit button.

Step 8: You will receive a notification from the bank that your PIN has been update. Contact the bank if you haven’t tried to update your PIN yet.

Conclusion

Having a credit card is not enough; you must also understand how to utilize it. Credit card PIN login is one of the first and most essential things that every credit cardholder should be aware of.