How to Secure your Credit Card Pin Numbers
These are probably some of the most important passwords you need to secure. Most people use the same credit card pins year after year and have the same pin for multiple cards. People are also not always aware of their surroundings when it comes to what is happening to their credit or debit cards. This can be a huge mistake and leave you vulnerable the Crackers, Hackers, Slackers and Identity Thieves of the world. You can avoid this by using a very simple set of steps that will keep you safe and the “Bad Guys” will have a tougher time taking what is not rightfully theirs.
First make it a habit of changing your pin numbers on your debit and credit cards. I know this might seem like a hassle at the time, it will often times save you the headache of dealing with your accounts being hacked into. You can usually do this over the phone and/or on the Bank’s website or other merchant account providers site.
Second be aware of your surroundings. It can be a hassle when you are already trying to comfort a crying baby, a screaming kid who wants a sucker and/or your moody teenager that decides to pick a fight with you and/or their siblings. Most the time you just want to pay for your items and go. However, paying attention to the little things can pay big dividends in time and headaches later. If possible eliminate or limit the time the card is out of your possession. If you are using your credit and debit card make it a habit as much as possible to swipe the card yourself to keep it in your possession. Offer to go with the card if they typically come up and take your card to swipe it. If you are at an ATM or other debit card machine and it looks different than it did before or acts strange inform the bank and use another ATM somewhere else.
Third and most importantly, make you pin codes hard to guess. Pins like 1-1-1-1 or 1-2-3-4 are not secure and would be easy for someone to guess once they got a hold of your card or card number. You can use anything but mix it up or make it hard to guess. Don’t use common names, words or simple numerical codes. Use something where even if the person knew you well, they would not be able to guess what the pin code was.
This might sound a little paranoid, but I could save you a lot of headaches and problems down the road