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How to Create Safe Credit Card PINs and Passwords

December 31, 2019

An individual who uses a credit card also knows how important it is to look out for unauthorized charges. Credit cardholders are not responsible for charges made fraudulently through their cards; however, it can be quite frustrating and time-consuming to clear one’s reputation and liability for unauthorized charges. That is why all consumers should create hard-to-guess PINs and passwords for their credit cards and online accounts. Taking this measure will help reduce the occurrence of credit card fraud.

Creating a secure credit card PIN

At times, the card issuer sends the holder the PIN a few days after the credit card has been mailed. Else the credit card user is required to create his own PIN. For your PIN, you should never choose numbers that are easy to guess. For example, make sure your PIN is not 1234, 4321, your date of birth, the last four digits of your credit card number etc. Always put some effort into creating your PIN and make it as difficult as possible for criminals or thieves to guess.

Creating a secure password for credit card account

Whenever you set a password for your credit card account you are often prompted to follow certain stipulations, for example, use a mix of uppercase and lowercase letters, include a number or even a punctuation mark. To create passwords that are difficult to guess, make sure they are at least 8 characters in length and place uppercase, lowercase letters as well as numbers randomly throughout the password instead of simply at the beginning or end.

Try to avoid using words that appear in the dictionary, personal information such as your name, date of birth, etc., or a sequence of words or numbers as they appear on the keyboard for example qwerty1234. Finally, make sure you don’t use the same password for various accounts.

How can you keep your PIN or password safe?

The golden rule in this case is to never share your password with anyone, or store it in such a way that it becomes accessible to thieves. For example, never write your password/PIN down in a place it can easily be found, especially on your credit card. Never mail or text your password/PIN to anyone, and don’t share it with anyone in public. Never store your password on your phone or laptop, because if it gets stolen, your information may fall into the wrong hands.

Finally, make sure you never become a victim of phishing scams by checking the URL of any website on which you would enter your PIN or password. Additionally, to be safe, change your password once every so often (90-180 days), or immediately if you believe your account might have been compromised.

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Ari Page Ari Page is the CEO of Fund&Grow. He resides in Spring Hill, Florida with his wife and two children.

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