Credit cards are one of the greatest inventions in the financial world for an individual. They make our life easier by not having to expose your financial constraints to your friends and colleagues in times of emergencies. Having said that, they also come with certain features which many of you may not know at first. One such useful feature being the ability to generate credit card PIN online. The process is really simple and here’s your step by step guide on how to generate credit card PIN online.
Can You Really Generate Credit Card PIN Online?
Yes! Of course you can. But firstly, we assume that you have just got your credit card delivered to you and not yet receive the PIN code. Generally the PIN code is being sent as a separate mail. The reason behind this is simply security. Anyone can use and transact with a credit card if they are in possession. For this reason, the PIN is sent separately either later on the same day or after a day or two. But guess what? You don’t need to wait for it as you can generate credit card PIN online.
So What are The Steps Involved?
You will need to sign up with your credit card provider’s website. All nationalised banks in India do have their dedicated credit card website or one that’s integrated to their main Banking website. One security tip to verify that you have actually access your bank’s official website is from the bank’s name that appears just before the domain extension such as .com or .co.in. For instance, sbi.com is official whereas sbi.mazaak.com is not official. This will keep you safe from phishing attacks. So getting back on track, you will need your credit card details such as credit card number, validity date, cvv along with personal details.
You must have provided your personal mobile number which is to be linked to your new credit card. Your date of birth will also be required. Once you sign up with these details, simply login to your credit card website and you will find an option to generate your credit card PIN online.
How Can I protect Myself from Online Credit Card Frauds?
Credit Cards are less safe than Debit and ATM cards. They can be used at any Online or Offline Merchants- be it local or in foreign currency. That’s why Credit Cards issued today come with a feature called “International Usage Enable/Disable”. For your safety reason, the Internal Usage is disabled so that unauthorised transaction from your Credit Card in Foreign Currencies are prevented. You will need to manually activate International Usage Online by logging in as above.
Do Credit Card Companies Call to Get Your Secure Information?
Credit Card Companies may call you from time to time to present you certain offers. They may also call you to verify whenever you make transactions above a certain limit. These are normal and legit credit card company calls and you should reply truthfully. However, there are certain fraudsters who will get your number from somewhere (we never know where from). They will call you saying that they are from Credit Card Company.
It is advisable to be very careful when receiving such calls. They will slowly and steadily ask you for your information – starting from which bank’s credit card you are holding. This is a stupid question because your Credit Card issuing bank will never ask you to identify the issuing bank’s name inf the first place!
They will also ask you other information such as your card’s validity date, the name as written on your card. They will go to the length of asking you to disclose your CVV number and OTP received on mobile!
Never Ever share your OTP or CVV numbers with anyone else in the whole wide world.
Other instances they will try to thrreaten you that if you do not purchase this or that product, your card will be charged anyway. Remember that if any unauthorised transaction is performed from your card, you should report immediately instead of panicking.
Although credit cards are convenient and they provide an easy means of big purchases online or offline, they are a burden too. It’s comparable to taking a loan which you will have to repay well within time. There are many other easy to access online credit card features such as card blocking, setting International Limit after activation of International usage, updating your address details and viewing your transaction and statement details. As our main aim today is how to generate credit card PIN online, we hope we could be of help to you today. Be safe!