Bank Indonesia (BI) has issued a new regulation that obligates credit cards to use a PIN (Personal Identification Number) as security measure. This regulation has been officially applied since July 1st, 2020. The enactment of this new regulation drives all banking companies that publish credit cards to immediately inform their credit cardholders for completing the update before the due date.
For credit card holders, please check the status of your credit card and make sure that it has used the PIN system. Specifically for PermataKartuKredit users, you can directly create and activate your credit card PIN with this link.
Many of you may wonder why the PIN security system is a necessary step for your credit card. Here is an in-depth explanation about the credit card PIN that you should know.
The Key Reason of PIN System in Credit Card
Previously, the credit card system can be accessed via signature. This access method is deemed unsecured and has been proven to be one of the causes of credit card abuse performed by criminals.
Furthermore, most signatures are easy to be replicated. Your signature has most probably been widely spread, from attendance lists in a seminar, ID Card, Driver’s License, and other important files that you have.
More Convenient Transactions
Apart from the security issues, another reason is for efficiency in credit card use. It is also effective in minimizing errors on systems and devices, otherwise would be present should it still uses the signature method. Credit card gets easier and faster to use, you don’t have to keep writing your signature just because the system or device is unable to verify it. With a PIN system, you only need to input the six digits of your credit card PIN for verification.
For a more secure transaction, please ensure that you have created your credit card PIN before July 1st, 2020. There’s no need to worry, for PermataKartuKredit users, you won’t have to visit the nearby branch office or ATM to create the PIN. Just press the button below, a new credit card PIN will be created with ease.
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