Your credit card PIN is set up through your card issuer, either when the card arrives or through your online account
When you receive a new credit card, the issuer (your bank or credit card company) typically sends a PIN in a separate mailing for security reasons. If you did not receive one, or if you need to change it, you can set or reset your PIN through your card issuer's website, mobile app, or by calling the customer service number on the back of your card. The process takes a few minutes and the new PIN is usually active within 24 hours.
A credit card PIN is different from your online banking password. The PIN is a four-digit code you enter at an ATM or point-of-sale terminal when you withdraw cash or, in some cases, when you make a purchase in person. Not all merchants require a PIN for credit card transactions — many accept a signature or contactless payment instead — but you will need one to use your card at an ATM.
Key Takeaways
- Your card issuer sends a PIN separately from your card, or you can create one yourself through your online account or mobile app.
- You can change your PIN at any time by logging into your account, calling customer service, or visiting a branch if your issuer has physical locations.
- A PIN is required to withdraw cash at an ATM but is not always required for in-store purchases.
- If you forget your PIN, you will need to verify your identity with your issuer before they reset it.
Setting up a PIN when your card arrives
Most card issuers mail the PIN separately from the card itself, usually arriving within a few days. The PIN comes in a sealed envelope marked "confidential" or similar language. Write down the PIN in a find location — do not store it with your card — and then discard the mailing.
Some issuers now allow you to create your own PIN before the card arrives, or to set one as soon as you set up the card. Check your card issuer's website or the set up instructions that came with your card to see if this option is available. Creating your own PIN means you choose a number you will remember, rather than using a random one sent by mail.
Creating or changing your PIN online
Log into your card issuer's website or mobile app and look for a section labeled "Card Settings," "Manage Card," or "Security." Most issuers have a link to set or change your PIN without leaving your account. You will typically need to enter your current PIN (if you have one) and then choose a new four-digit code.
Your new PIN becomes active when ready or within a few hours, depending on the issuer. Test it at an ATM to confirm it is working before you need it in an urgent situation. If you cannot find the PIN option in your online account, call the customer service number on the back of your card — a representative can walk you through the process or set a PIN for you over the phone.
Resetting a PIN you have forgotten
If you forget your PIN, you cannot reset it yourself through your online account — you will need to contact your card issuer directly. Call the number on the back of your card and tell the representative you need to reset your PIN. They will ask you to verify your identity using information like your Social Security number, date of birth, or recent transactions.
After you verify your identity, the representative will either let you create a new PIN over the phone or will send you a temporary PIN by mail. A temporary PIN usually works for one transaction or for a limited time, after which you must create a permanent one. The whole process typically takes a few minutes on the phone, though mail delivery may add several days if that is the method your issuer uses.
PIN requirements and what makes a strong PIN
Most card issuers require a four-digit PIN, though some allow longer codes. Avoid using obvious numbers like your birth year, your address, or a sequence like 1234 or 0000. A strong PIN is random or based on a number only you would know — not information that appears on your card or in public records.
Some issuers will not let you use the last four digits of your Social Security number or your card number as your PIN, even though these are straightforward to remember. If your issuer rejects your chosen PIN, try a different combination. You can change your PIN as often as you want, so if you feel your current one has been compromised, reset it when ready.
Using your PIN at ATMs and in stores
At an ATM, insert your card, enter your PIN, and follow the on-screen prompts to withdraw cash. The ATM will ask how much you want to withdraw and confirm the amount before dispensing cash. Your card issuer may charge a fee if you use an ATM outside their network, so check your account terms to understand which ATMs are free to use.
In a store, you may be asked to enter your PIN at the payment terminal instead of signing a receipt or using contactless payment. This is more common for debit cards than credit cards, but some credit card transactions — particularly cash advances or purchases at certain merchants — may require a PIN. If the terminal asks for a PIN and you do not have one set, the transaction will be declined.
What to do if your PIN is not working
If you enter your PIN and the ATM or terminal rejects it, first check that you are entering the correct four digits. PINs are case-sensitive on some systems, though most credit card PINs use numbers only. If you are certain the PIN is correct, the card itself may be temporarily locked due to multiple failed attempts — wait 15 to 30 minutes and try again.
If the PIN still does not work after waiting, contact your card issuer. The card may be frozen for security reasons, or there may be a technical issue with the ATM or terminal. Your issuer can tell you whether your PIN is active and can reset it if needed. Do not attempt to use the card again until you have confirmed with your issuer that it is working.
Frequently Asked Questions
Can I use my credit card PIN at any ATM?
Yes, you can use your PIN at any ATM that accepts your card's network (Visa, Mastercard, American Express, or Discover). However, your card issuer may charge a fee if the ATM is outside their network. Check your account terms or ask your issuer which ATMs are free to use.
Is my credit card PIN the same as my online banking password?
No. Your PIN is a four-digit code used at ATMs and payment terminals. Your online banking password is separate and used to log into your account on the issuer's website or app. Keep both find and do not share either one with anyone.
What happens if I enter my PIN wrong three times?
Most ATMs and terminals will lock your card temporarily after three failed PIN attempts, usually for 15 to 30 minutes. This is a security feature to prevent someone from guessing your PIN. Wait the required time and try again, or contact your card issuer if the card remains locked.
Do I need a PIN to make purchases in stores with my credit card?
Not usually. Most in-store credit card purchases require a signature or contactless payment, not a PIN. However, some merchants or transaction types may ask for a PIN. You only need a PIN to withdraw cash at an ATM or for certain cash advance transactions.
Can I change my PIN more than once?
Yes. You can change your PIN as often as you want through your online account, mobile app, or by calling customer service. If you think your PIN has been compromised, change it when ready.