Understanding credit card PIN
A credit card PIN (Personal Identification Number) is a unique four-digit code used to verify and authorise transactions. You need your PIN for both transactions that involve POS payments at stores and cash withdrawals from automated teller machines (ATMs). Your PIN enables security by protecting you from unapproved transactions.
Your credit card PIN exists as a personal secret that no one else knows. To maintain security, it is essential to keep your PIN confidential and update it regularly.
In conclusion, your credit card PIN is extremely important for offline transactions and you need to make sure that you keep it secured and never share it with anyone. You must also note that HDFC Bank will never call or text you and ask you to share an OTP or your credit card details. Hence, be alert of such scams so that you can use your credit card smoothly.
(Note: Using a credit card carries its own set of risks)