You’ll typically be assigned a 4- or 6-digit personal identification number (or “PIN”) when you apply for a credit, debit, or banking card. This number will allow you to easily authorise payments and withdraw funds from your bank account. However, forgetting your PIN can be more than just a minor inconvenience; it can result in you being unable to access your hard-earned money for a period of time. The good news is that it only takes a phone call or a few clicks to recover a forgotten PIN number or to change it to something you’ll have an easier time remembering.
Method 1 Requesting a New PIN by Phone
1. Make a call to the 1-800 number that is printed on the back of your credit card. Look for the number along the bottom portion of the card to confirm its authenticity. Most banks and financial institutions have customer service hotlines that are open 24 hours a day, seven days a week, and are almost always toll-free, which means you will not be charged for making the call.
It is also possible to call the company directly and ask to be put through to the customer service department if you do not have your credit card on you at the time of calling.
2. If you’re calling an automated hotline, you’ll need to follow the instructions for resetting your PIN. A brief greeting will be followed by an instruction to press a series of buttons, each of which corresponds to a different service. Wait until you hear the phrase “account information” or “card information” and then press the button that corresponds to that phrase. Then, following the on-screen prompts until you reach the option to reset your PIN, proceed as directed.
Make sure you pay attention, because if you press the wrong button, you may be forced to start over from the beginning.
If you’re not sure what to do next, you can select the option to be connected with a customer service agent for guidance.
3. If you are able to speak with a real person, explain your situation to a customer service representative. Inform the representative that you have forgotten your PIN and that you require a reminder or wish to create a new one. Prepare to provide information such as your full name, the last four digits of your social security number, and/or the number on your credit card or bank account, as they will require some proof that you are who you claim to be in order to complete the transaction.
If this is your first time experiencing a problem with your card or if you are experiencing technical difficulties with the automated service system, getting in touch with a live customer service representative may be your best option.
4. When prompted, enter your new PIN number. Use the keypad on your phone to enter the number you want to call. As a general rule, banks and credit card companies require users to create a PIN that is either 4 or 6 digits in length. Try to choose a number that will remain in your memory in order to avoid similar problems in the future. The coded word, meaningful date, or other sequence of numbers that has some special significance to you could all be included here as well.
Avoid using obvious answers like your birth year, zip code, or the last four digits of your street address as a starting point for your search. If someone were to get their hands on your wallet, they could easily figure out one of these numbers.
It is possible that you will be asked to enter your new PIN more than once in order to ensure that it is correct.
Tip: An example of a strong, secure PIN that no one is likely to guess is “7827,” which when written out on the keypad spells out the word “star.”
5. If you prefer to reset your PIN in person, you can do so by visiting your bank. Providing sensitive financial information over the phone is not something that everyone is comfortable doing. However, those who aren’t are always welcome to stop by their local bank branch and speak with a real person about their concerns. Those with extensive experience are dedicated to providing customers with security and peace of mind.
Visiting us in person is a good idea if you discover that your PIN has been blocked or invalidated for no apparent reason. We can assist you further.
Method 2 Resetting Your PIN Online
1. Go to the website of the bank or financial institution that issued your credit or debit card. A section on most banking websites allows users to view their account information as well as make changes to various settings and preferences. Resetting your PIN will take place in this section.
If you are unsure how to locate a specific bank or company’s website, simply type the name of the institution or company into Google. In addition, the web address of the organisation will usually be printed somewhere on the back of the card itself as well.
Additionally, you may be able to reset your PIN from the mobile app provided by your card issuer in some cases.
2. Log in to your online banking account to complete the transaction. To sign in, enter your email address or a custom username and password, followed by the word “Sign In.” You will be redirected to an account overview page after your login credentials have been verified by the site. This page contains a summary of your transaction history as well as a list of different actions that you as the account holder can perform.
If you have never accessed your bank’s or credit card issuer’s online services before, you will need to create an account with them. Your name, email address, date of birth, and social security number will be required in order to complete this transaction successfully. It may also be necessary for you to provide your credit card or bank account information.
If you haven’t logged in for a while, you may be asked to answer one or more security questions to verify your identity. In most cases, these take the form of extremely specific personal questions that only the account holder would be able to answer, such as “What was the name of your first childhood pet?”
3. Navigate to the user settings section of your browser. This is where things start to get a little complicated, because different websites and applications are set up in a variety of ways. A link to your user settings can usually be found in the upper righthand corner of the main page, but sometimes it can be found further down the page. To access a list of customizable options, simply click or tap on this link.
In addition to “Account Settings,” “Preferences,” “Controls,” or something similar, the user hub on the website of your bank or card issuer may be labelled “Account Information.”
4. Examine your user preferences to see if there is an option that allows you to manage your card. A drop-down list may appear, or it may be displayed somewhere on the dashboard near the top of the screen. When you’ve found what you’re looking for, simply click or tap on the link to continue. We’re almost there!
It is possible that you will not be able to locate this option, and you will be forced to complete the process over the phone or in person.
5. Select the option to reset your PIN from the drop-down menu. In other words, “Change Your PIN” or “Create a New PIN” are both acceptable phrases. To access a secure, encrypted PIN reset form, simply click or tap on the link. While you’re doing this, think about what you want your new phone number to be.
Some financial institutions send out helpful PIN reminders to members who are prone to forgetting their PINs. For those who just need a little help remembering their PIN and don’t want to be assigned a new one, see if you can opt to receive a confidential reminder.
Not all banks and credit card companies allow their customers to change their PINs online. If you find yourself at a dead end, call your bank or go to the nearest branch.
6. Fill in the blanks with your new preferred PIN. It is recommended by the majority of banks and financial institutions that users use a PIN that is either 4 or 6 digits in length. Make an effort to select a sequence of numbers that you will have no difficulty recalling. To make your new PIN official, click or tap on the button that says “Submit” or “Confirm Your New PIN” when you’re satisfied with it.
Don’t be surprised if you’re prompted to type in your new PIN more than once during the process. This simply helps to ensure that you don’t end up with the incorrect number in the event that you make a typing error by accident.
Given that your bank or credit card issuer does not allow its users to create their own custom PINs, they will generate a new number using a random generator and mail it to you within 7-10 business days, assuming that this is possible.
Use of your birthdate, a portion of your address or phone number, or the same repeating number as your old PIN are all discouraged. For thieves and hackers, these types of passcodes are all far too easy to guess and decipher.
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