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Personal Credit Cards

Do I need a personal identification number (PIN) to make a purchase with my chip or contactless credit card?

Category: Personal   Service: Credit Cards | Updated: August 1st, 2023


Your credit card is a Chip and Signature card, so in most instances, you should not need a personal identification number (PIN) to make purchases with your card. When traveling inside or outside the U.S., a PIN may be required on your card when used at an ATM or unattended terminals (such as public transportation kiosks or gas pumps). A PIN is automatically mailed to you when the account is opened. For your convenience, you can change your PIN by calling 1-866-297-3408 or by logging into Once updated, the new PIN will be ready for immediate use.

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