A secure credit card PIN and password
Credit card security is extremely important to avoid becoming a victim of credit card fraud. If you land your sensitive credit card information in the wrong hands, it can be difficult and time-consuming to clear your credit reputation and remove your liability for the fees.
While you are often not responsible for unauthorized credit card fees, you will be much better off not dealing with them in the first place. One way to prevent credit card fraud is to create difficult-to-guess PINs and passwords for your credit card and online accounts and keep them secure once they’re created.
A secure credit card PIN
You will need a four-digit PIN or personal identification number if your credit card comes out with the ability to withdraw cash. Sometimes your card issuer will send a PIN in the mail a few days after your credit card is sent. Or you may be asked to choose your own PIN when you call to activate your credit card. Never make your PIN:
- Your date of birth
- Any of your children or loved ones’ date of birth
- Your anniversary
- The first or last four digits of your social security number
- The first or last four digits of your credit card number
- Any four numbers that mean anything
A few thoughts in the PIN you create. If it’s easy for you to create, it’s probably also easy for thieves to guess.
A secure password for your online credit card account
When you create an online account to access your credit card details, you will be required to create a password that you can log in to. Many credit card issuer websites give some password creation requirements that will help you get a password that is difficult for thieves to guess. For example, your password will be of a certain length, you can use a combination of upper and lower case letters, a number or even a non-alphanumeric character, such as an asterisk, exclamation mark, dollar sign, etc. Here are what you need a secure credit card Create password do:
- Make it longer, ideally at least 8 characters. It will be more difficult to guess.
- Mix upper and lower case letters in the password. Don’t just use an uppercase letter at the beginning of the password phrase.
- Put punctuation or numbers randomly over the password, rather than just as the beginning or end.
- Select letters that are in different locations on the keyboard. This way someone watching will not be able to easily guess what your fingers are typing.
- Be creative.
What you shouldn’t be doing
- Avoid using words that appear in the dictionary, even if you spell them backwards, abbreviate, or misspell them.
- Do not use personal information such as name, date of birth, social security number or personal information from friends or relatives.
- Don’t use the password you saw as an example of a good password.
- Avoid using the exact same password for different accounts. Once hackers have guessed a password, they will often try to see if it works on other accounts.
Keep passwords and PINs safe
Once you’ve created an un-crackable credit card password, the next step is to keep it safe. They don’t make it easy for hackers to gain access to your password.
- You don’t write or nail your password, and most importantly, don’t write it on your credit card or store it with your credit card.
- Don’t email your password or someone’s email or text message.
- Do not share your password or PIN with anyone.
- Do not say your password or PIN aloud in public where other people can hear you.
- You have not forgotten your credit card password in your browser. Someone who steals your computer or phone could access your account without even knowing the password.
Always be sure to get your password in the right website. Phishing attacks make fake websites that look like real hope to get people to enter their login or other personal information. Always check the url in the browser bar to be sure that you are on the right website and be especially careful to enter your password in a website that you clicked when landed through an email link. Change your password on a regular basis, for example every 90 days, taking no passwords to use again. If you believe your password is compromised, immediately change it following the guidelines given above.