All credit cards have a four digit chip and PIN number that can be used when making purchases or using an ATM machine. If you have successfully applied for a credit card, your PIN details will be sent out separately in order to reduce the possibility of your credit card being intercepted and used fraudulently. Once you receive your number, you can change it at any ATM machine offering PIN services. You simply insert your credit card and follow the instructions on screen. Changes will be effective immediately.
What to do if you forget your credit card PIN number
For security reasons, you won't be able to change your number using the ATM facility. Under these circumstances, you should call your credit card provider and they will send you a new credit card PIN number by post.
Chip and PIN number security
There are a number of steps you can take to reduce your chances of falling victim to credit card fraud. When using an ATM or chip and PIN machine it is important to shield your credit card PIN number from view
and be aware of those around you. You should also refuse help from strangers when using a cash machine and be aware of what’s going on around you.
In addition, you should never share your chip and PIN number with anyone or let anyone else use your credit card. You should never write down your PIN details, either. If you want to change your credit card PIN number to something that is easier to remember, make sure it is not an obvious combination that other people could easily guess, such as a birthday or wedding anniversary. When buying online or making a mail order, you will never be asked for your chip and PIN number. However, you may be asked for the three-digit security number on the signature strip on the back of your credit card. Do not get these sequences confused. Your credit card PIN number is for ATM and chip and PIN machines only.
Credit only available to over 18s resident in the UK and subject to status. The APR applicable to your account will depend on our assessment of your application.