What is the PIN number of a credit card and how to obtain one?

The most common is that use a PIN (Personal Identification Number) for operations with a debit card, but did you know that the PIN number also exists for credit cards?

It may not be such a common thing, but in the U.S request for a number may be required credit card PIN to get a cash advance in a ATM. You may also be required to use a PIN to make certain purchases in other countries.

The standards of Credit cards may be different in other countries. If you have to travel abroad, you may have to use a credit card PIN to complete certain transactions, such as those at unmanned train station kiosks.

How do you know if you already have a PIN from credit card? And if you don’t have it, how exactly do you get it? Here is what you need to know.


What is the PIN number of a credit card?

A credit card PIN is a four-digit code assigned or chosen by a cardholder after the card is issued, only if required. It is sometimes used as “an extra layer of security”, beyond your signature and the card’s EMV chip.

The credit card PIN it’s like a simple password, very similar to debit cards. It is a personal identification number consisting of a series of 4 or rarely 6 digits used to verify the identity of a cardholder.

Although unlike debit cards, you usually don’t need the PIN when you pay with one credit card in the U.S. Instead, you simply insert or slide your credit card by the reader and you sign the purchase. And sometimes, you don’t even have to sign.

What is the PIN number of a credit card

When can I need the PIN number of my credit card?

Most often you need a credit card PIN in two types of transactions:

  1. To process a cash advance through an ATM
  2. To make purchases in some foreign countries.

Credit card PIN for cash advances

It may be required the PIN of the credit card if you want to get cash advances in the ATMs.

Remember that a cash advance is a type of short-term loan that involves the use of your credit card to withdraw cash via an automated teller machine (ATM or Automatic Teller Machine). It is usually expensive because apart from a high interest rate, it carries with it a commission or charge per operation.

Enter your PIN helps to verify that you are the owner of the card when you want to get cash via progress. If you don’t have the credit card PIN when prompted or you don’t remember, you just won’t be able to complete the cash advance.

Also you may need the PIN of the credit card when shopping abroad.

In Europe, for example, payments with credit card issued in countries outside the euro zone, by default, may require the insertion of the card chip and the introduction of PIN to verify your identity.

Although you can choose not to enter the PIN to sign the purchase, the choice is not possible in many cases.

If you don’t have the PIN of your credit card, you will have problems in unmanned booths or kiosks, such as those found in train stations in Europe.

A few terminals sometimes allow you to skip the entering a PIN if you have an international Mastercard or Visa card, but this is not always the case. If you cannot avoid the introduction of the PIN and you don’t have one, you won’t be able to complete the purchase without the help of an assistant, and it’s definitely not always an option.

How to get a credit card PIN number?

If you don’t have your credit card PIN, it may be because you refused to set it up when you opened your credit card account. But depending on your card issuer, you may be able to get one in a few short steps.

Get a PIN It shouldn’t be difficult if your card offers it among its features, although you should know that not all cards allow you to use the same PIN for every situation.

The procedure for get credit card PIN It will depend on the issuer of the card. However, here are some ways you can find or create your PIN.

Sender’s email

The PIN from your credit card may have been sent along with the documentation for the new card through the traditional postal service.

However, the PIN are usually shipped separately from the Credit cards for security reasons, so it is almost obvious that they are not in the same envelope.

your online account

If you can’t find the documentation for the PIN, the next place to look is your online banking account.

Search your card issuer’s online banking website or mobile app for information on how to get credit card PIN.

Communicate with the sender

You can also call the company of your credit card to ask him about you PIN.

Yes OK it probably won’t give you a PIN via telephone, you may be able to request a new one which will then be sent to you via text message, email or postal service.

In fact, the most common is that PIN they are mailed to your home and less often you have to set one up over the phone and receive it via text message or email; whether it is a new request, lost or forgotten.

What if the credit card company doesn’t allow chip and PIN purchases?

Unfortunately, not all credit card issuers allow the same PIN for all transactions.

For example, chase does not allow you to use his PIN from cash advance to make purchases abroad, so you would need a PIN different for each type of operation.

If you think you will need to make a chip purchase and PIN, especially abroad, first check the card issuer’s current policy.

You do not want to know that it does not allow purchases with a chip and PIN, or that you don’t have the PIN correct, when you are already facing a transaction outside your country. Although maybe you can try request PIN for credit card from wherever you are, if you have the required information.

In summary

If you don’t need to make cash advance transactions at ATMs and don’t plan to travel abroad, having a credit card PIN may not be of much value to you.

Although a handful of issuers of Credit cards offer chip transactions and PIN in the U.S, they are not so common.

However, if your issuer offers it to you, it may not hurt you request the PIN number of the credit card. This way, if you find yourself in a financial tight spot or if you’re booking a trip abroad, you won’t have to worry about the number credit card PIN Arrive in a timely manner for your emergency.

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