What should I do if I forgot my PIN?
Surely you often had to listen to stories about how someone forgot your PIN, and what the consequences of this event were. And if this happened to you, you even more imagine how unpleasant it is to lose access to your funds in an instant. The situation is even more pitiable for those who, being abroad, cannot remember the PIN-code of the card. Although bank employees stand on the fact that, even without having information about a PIN code, you can cash out your bank account.
In case of loss of information about the PIN code
What to do if I forgot my PIN? - you ask. The first step is to report this to the bank whose client you are. The support service works most often around the clock, and is available at any large bank. Moreover, the call to the bank support service is free. After calling, you will receive instructions from the operator how to proceed.
Since the PIN code is known only to you, it is impossible to renew it. Therefore, the loss of information about the PIN code automatically leads to a re-issue of a credit card. Fortunately, the bank number will remain the same, you just get a new card.It is important that when a card is reissued, the possibility of receiving a PIN code by third parties is excluded.
Very often, having forgotten IDUs, cardholders rely on a case and try to remember it, which further aggravates the situation. It is important to remember that if the PIN code was entered incorrectly more than the allowed attempts, the card is automatically blocked and can be withdrawn by an ATM. Therefore, naturally, it is best to properly remember this important combination of numbers.
When such a nuisance happens, and you cannot remember the code of the card, you cannot do without a call to the bank. In the event that a bank customer has forgotten the PIN, what should be done in this situation by the bank employees by phone. At your request, the bank may reset attempts to enter a PIN code.
If you need money today, and the card is already blocked, as a result of an incorrect input of the security combination, do not lose hope - the opportunity to receive cash is still there. A card account is just your personal bank account that you had access to through a plastic card. Undoubtedly, without a card, all banking transactions are also possible.Therefore, in order to receive money, it is necessary to present an identity document at a bank branch.
There may be exceptions to the rule. Receiving money without a card may not be possible if it is not provided for by the type of card, bank rules and local laws. For example, it is impossible to receive money using a passport if the card is blocked, since this means a ban on all operations with the account. If the lock was made due to an incorrect PIN code entry, then card operations will resume at midnight Moscow time. But even in a situation, if the client did not remember, or again forgot the security code, what to do to get cash will tell the bank employees. But, remember that for withdrawing money from the Maestro card, identification by PIN code is required.
Loss of information about a PIN abroad
If you have forgotten your PIN code while in another country, it will be much more difficult to cash out the account. Even worse, there are no branches of the issuing bank nearby. Although, even being abroad, the cardholder, who forgot the PIN, can always find out what to do by calling the support service of the bank that issued the card.Basically, the phone number of the service is on the ATM. That is, the initial actions that in the homeland, that abroad are the same. Then, after submitting the application to the bank, within 3 - 5 days, the card must be returned, or issued temporary. It is worth noting that not all banks operate under such a simplified scheme. In this case, while abroad, you can make purchases using the card, paying for goods and services, since these operations do not require a PIN in most of them.
Ways to avoid problems
It is better to prevent the problem than to seek its solution. Therefore, when going abroad, it is worth issuing a power of attorney to access a third party bank account. In the cases described above, his help will be most welcome: instead of you, he will be able to resolve a problematic issue at home.
It is even better if you pre-arrange several plastic cards to one bank account. After blocking a single card, its owner will always be able to access funds using a twin card.