A chip credit card contains a microchip which is security-enabled. This chip is embedded within the credit card and stores account information. When used with a Personal Identification Number (PIN) the chip is used to identify the rightful cardholder. Visit our chip site for more information.
We'll let you know in advance when you'll receive your new chip card. Be sure to look for information about your new chip card in your monthly statement.
It's easy! Call our automated activation system at 1-888-655-5646. Just be sure to have both your new chip credit card and PIN before you call. See our demo for more information on how to activate your card.
PIN is an acronym for Personal Identification Number. A PIN is a 4-digit code that is unique to you and your card. Your PIN replaces your signature as the method of authorizing your credit card purchases. Your PIN, along with the chip embedded in your card, is a more secure credit card technology which will help to reduce fraud if your credit card is ever lost or stolen.
You should expect to receive your PIN a couple of days after your new card arrives. As a security measure, the PIN is mailed separately from your new card.
There are a few numbers that can't be used as a PIN:
You'll be mailed a copy of your PIN, which should arrive a couple days after your new card. If you've misplaced it or it doesn't arrive, you can receive another copy of your PIN by calling 1-800-481-3239. In the menu options, select or say:
We'll then mail a copy of your PIN to the address attached to your credit card account. As a security measure, our customer service agents cannot view or alter your PIN. The only way to receive a PIN is through the mail.
After three unsuccessful attempts for a chip transaction, your card will be locked and can't be used. This can happen if you type in an incorrect PIN three times. Just call 1-800-481-3239 and select or say:
If you want to change your PIN, call 1-800-481-3239 – we're available 24/7. Just follow the prompts and your PIN will be changed. Please note that on your next chip transaction after changing your PIN, you'll have to use your old PIN one final time. After that, your new PIN is ready to use. See our demo for more information on how to change your PIN.
The PIN you use for purchases will work for cash withdrawals as well. Just insert your chip card into an ABM and use your PIN to authorize the cash withdrawal.
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