You're probably familiar with using a PIN for your debit card. Credit cards can have a PIN too, but it's used in fewer situations. This guide explains what a credit card PIN is, when you might need one, and how to keep it safe.
What a credit card PIN is
A PIN — short for Personal Identification Number — is a secret numeric code tied to your card. It's a way to verify that the person using the card is authorized to do so, similar to a password for in-person transactions.
Unlike a debit card, where you often enter a PIN for everyday purchases, a credit card PIN is used in more limited situations. Many credit card purchases are verified by a signature, a tap, or nothing at all for small amounts.
When you might need your PIN
The most common time you'll need a credit card PIN is for a cash advance — withdrawing cash from an ATM using your credit card. Cash advances usually come with extra fees and interest, so they're worth understanding before you use one.
You may also be asked for a PIN at some self-service machines or when traveling in regions where chip-and-PIN is the norm. In many places, though, you can still complete a purchase with a signature or a tap instead.
How to get or reset a PIN
If you don't know your credit card PIN, you usually request or reset it through your issuer — often in the mobile app, online account, or by calling the number on the back of your card. Issuers don't always mail a PIN automatically.
Never share your PIN with anyone, and avoid obvious choices like your birth year. If you think your PIN has been exposed, contact your issuer to change it right away.
Keeping your PIN safe
Treat your PIN like a password: don't write it on your card, don't store it next to your card, and shield the keypad when you enter it. A PIN is only protective if it stays private.
If you rarely use cash advances or chip-and-PIN terminals, you may not need your PIN often — but it's still smart to know it and keep it secure. Confirm your card's PIN rules with your issuer.
Frequently asked questions
Do I always need a PIN to use a credit card?
No. Most everyday credit card purchases use a tap, swipe, or signature rather than a PIN. A PIN is mainly needed for cash advances and some chip-and-PIN terminals, especially when traveling.
How do I find my credit card PIN?
Check your issuer's mobile app or online account, or call the number on the back of your card. Issuers can usually set or reset a PIN for you. Never guess by trying random numbers at an ATM.
Is using a credit card PIN for cash the same as a regular purchase?
No. Withdrawing cash with your PIN is usually treated as a cash advance, which often has extra fees and starts charging interest immediately. Review your card's cash advance terms before using one.
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