The PIN should be kept confidential under every circumstance. However, banks insist that the cardholders change the PIN once they receive the kit by going to an ATM. If you find any difficulty in using your card with the new PIN and when you're sure of using the correct PIN, call the respective credit card customer care and report the issue.īanks provide the cardholders with the PIN of their credit card in the welcome kit. Once you use your credit card for the first time, your card gets activated automatically. Therefore, once you receive the new credit card, try any one of the above-mentioned methods to generate the PIN and use your card for PIN-required transaction such as ATM withdrawal, POS transaction, etc. But now with the introduction of green PIN and self-PIN generation, cards are being sent in active state. However, only when you generate the PIN, you can start using your credit card.Įarlier, when banks used to generate credit card PINs, there used to be a separate card activation process. Most of the banks or card issuers, send a new credit card in active state. How to Activate a Credit Card?Ĭredit card activation is another important step in using your credit card for the first time. Hence, the PIN should not be shared with anybody. It is a measure that is taken by the banks to secure one's credit card. The payment system matches the PIN and the user ID before giving permission to the customer to make any transaction.
While using the card, the cardholder needs to enter the PIN. By definition, it a 4-digit unique identification number that is assigned to a particular card of a user. In fact, this system plays a significant role while withdrawing money from ATMs also.
This system makes transactions that are made using this card safe and secure. Every credit card is secured with a 4-digit chip and PIN system.
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