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How to change the pin on a credit card

Updated January 10, 2019

A credit card PIN (personal identification number) is a 4-digit number used to make credit and debit card transactions. It is always possible to forget your PIN or you may be concerned someone has learnt your PIN. In either case you will need to change the PIN for the credit card. The options available to do this vary depending on the credit card issuer, but they are all straightforward.

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  1. Change your PIN in person if the credit card was issued by a bank with a convenient branch. You will need to bring the credit card and a valid photo ID (driver’s license, military ID or state-issued ID). The branch manager or another officer can change your PIN for you.

  2. Use an ATM to change your PIN. Some banks offer this option when you use one of their ATMs (you do have to know your current PIN to use this method). Insert your card in the ATM and choose PIN or password options. Follow the prompts to change your PIN.

  3. Call the credit card issuer’s customer service number. This will be listed on the back of the credit card or on your monthly statement (usually both). The automated system will offer you the option of changing your PIN. Follow the automated prompts to enter a new PIN. If you run into difficulty, use the automated system to ask to speak to a live customer service representative who can assist you.

  4. Warning

    Memorise your new PIN. If you must write it down, keep the written number in a secure place (such as a safe-deposit box), never with your credit card. Don't enter your PIN anytime someone appears to be watching you closely. They may be trying to learn your PIN. High-tech identity thieves have been known to place sophisticated scanners on ATMs. Unwary consumers insert their cards and enter their PINs. The thieves then have both the PIN and the credit card number. Do not use an ATM if it appears to have been altered in any way.

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Things You'll Need

  • Credit card number
  • Personal identification

About the Author

Based in Atlanta, Georgia, W D Adkins has been writing professionally since 2008. He writes about business, personal finance and careers. Adkins holds master's degrees in history and sociology from Georgia State University. He became a member of the Society of Professional Journalists in 2009.

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