Cash advance without pin number
Remember Me Forgot ID/Password; Services. Online Banking. Getting Started · Account Alerts · Apple Pay · Credit Cards · Design Your Card · Download · Internet Fraud · Mobile Banking · Online Message Center · Paperless Statements; PIN; Privacy and Security · System Requirements · Information Security Center. Jan 1, 2016 If you give your Account number to make a purchase or obtain a cash advance without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if the Card was present. You may also use your Card and a personal identification number (“PIN”) to cash in advance killeen tx Your Timberland Debit MasterCard works just like a check and can also be used at ATMs for quick access to your cash. Timberland Debit MasterCards are: Secure. Your Timberland Debit MasterCard is protected with a secure Personal Identification Number (PIN), sent to you separately from the card. For your convenience Nov 21, 2016 BARCLAYS users can get their cash without needing to get out their card thanks to new contactless cash machines. If you prefer to use your card, all you need to do is tap your contactless-enabled card against the reader on the ATM, which will then prompt you for your PIN before dispensing the money.
It seems pretty straight-forward: You enter a store, you swipe the card through the reader, you type in your pin, and you take your bag of new stuff home. . The new regulations require that credit-card companies notify you 45 days before increasing interest rates or changing certain fees, such as annual fees, cash advance cash advance places Look no further for the best casino ATM machines and cash access software available to the gaming industry. MOBILEMONEY's intuitive, user-friendly cash access software coincides with any cage set-up. Learn more. 2. Follow the voice prompts for account logon. 3. Press 1 to select "Account Information Menu". 4. Press 1 to select "Account Balance". How to get cash at an ATM. 1. Swipe or enter you Payroll Card. 2. Enter your 4‐digit PIN. 3. Select "Withdrawal from Checking". 4. Enter the dollar amount to be withdrawn. 5. Take your cash In almost all cases you can pay using a debit card that is a Maestro-type using a PIN code, and it doesn't matter if you are buying something for 50 cents, . "chip and pin" credit cards as purchase transactions - if you provide the PIN, it will run as "cash advance" transaction (in Taiwan they even warn you about this, but in
Jun 1, 2009 If you have a Discover credit card, you can get credit cash back at Walmart: its just like cash advance but without any fees or pin number access. Just swipe the card, hit the $60 amount in cash back, sign and you are done. No more need of ATMs. I have split my groceries into multiple transactions, to get albany georgia payday loans Sep 25, 2017 Here's what you need to know about using a credit card in Italy, including fees to avoid, keeping cash on hand, and how to keep your card information safe. Lost or stolen cards? What do you need to do? Emprise Knowledge Center has the answers and more. Learn important topics concerning your credit and debit card.Oct 1, 2015 The bigger change is that consumers are switching from credit and debit cards with a magnetic stripe to those that utilize a chip to generate a unique code “I don't technically know whether a card issued here without a PIN will work in every circumstance,'' he says, "but I will say if you are planning to travel
All ATM transactions are treated as cash withdrawal transactions and you will need to enter your PIN number when prompted and select checking account to access money. A fee applies to "Recurring Transactions" are transactions that are automatically charged to your card each month with or without your knowledge. cash loans easy payday Oct 26, 2012 I don't recall ever getting a PIN for my US credit cards. I think we did get a PIN although I've forgotten the number, you could ask them to give you one. . I'm always interested in ways to pull cash off credit cards without cash advance fees - as this is the holy grail when it comes to earning airline miles. Mar 9, 2006 With consumers around the country reporting mysterious fraudulent account withdrawals, and multiple banks announcing problems with stolen account information, But the key question surrounding the attack is this: How did the thieves get the PIN codes they needed to perform ATM withdrawals?Citibank provides the cash advance credit card which allows you to get the cash at emergency situations anytime, anywhere around the world.
VISA Debit Card FAQs - Clarity Credit Union
account. Is a PIN (Personal Identification Number) needed to use the card? The card can be used to make signature-based purchases without a PIN. However, a PIN must be used for cash withdrawals at ATM's (there is a fee for non-Moneypass. ATM transactions). The custodial parent chooses his/her own PIN by calling. Frequently Asked Credit Union Questions, like What is my routing number? How much cash can I withdraw? How do I become a member?When drivers withdraw cash using the TCH Fuel Card, the amount is debited from their pre-authorized cash advance limit. Aside from the ATM surcharge to the driver, TCH will assess a $1 fee. The carrier will be responsible for their normal transaction fee. Drivers must establish a Personal Identification Number (PIN) for Log in to your SBI Card Online account at ; Go to My Account on left hand side menu; Select 'Manage PIN'; From the drop down menu, select the credit card, you want to generate the PIN for. We will SMS you a One Time Password (OTP) on your registered mobile number; Enter the OTP and your ATM PIN that
Beginning this spring, SEFCU is upgrading from Visa®: to Mastercard and as part of this change members will enjoy enhanced benefits, chip technology, Apple Pay™ (available with your . Just like your Visa your new SEFCU Debit Mastercard can be used at ATMs to get cash, check a balance, or make a deposit. Q. I use By encrypting your card information into a unique code that makes fraud more difficult. Click here for more When shopping at , provide your credit card number as you usually do today or check out using My Wallet. Your online A PIN is required for cash advances taken at a participating ATM. Is this answer Citibank Cash Advance allows you to get Instant Cash anytime and anywhere. It helps you to solve your temporary cash needs instantly. Cardless Cash is: Fast - Set-up cash withdrawal transaction details in advance before arriving at an ATM. No need to insert your card and enter the PIN. Secure - Set-up transaction details privately without worrying about your card information and PIN being viewed. Convenient - No need to carry a debit card to use the ATM.
Please contact your branch in advance for large gift card orders. For balance A $1.75 card fee is assessed at the time of purchase, and payment made by cash or transfer from another credit union account. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. We can change, de-activate or revoke a PIN at any time and need not notify you beforehand. You can use the card in combination with your PIN to obtain cash advances from any ATM subject to limits set by the Bank. The Bank reserves the right to decline any cash advance request without assigning any reason.My company said we can take out up to $210 a week for advances so it should be available again. When at the atm I select withdrawl, pin number and credit then put in the amount. Am I doing something wrong or is it just not working? Also I called the number on the back of the card and it said cash on card You will tell us AT ONCE if you believe your Debit/ATM card and/or PIN number has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your Debit/ATM Card. Telephoning us is the best way of keeping your possible losses down. You could lose
Please note, cash advances and balance transfers have no grace period, which means they start accruing interest as soon as the transaction is made. . You may also request your PIN using our Mobile Banking app or by calling the number on the back of your card. through our mobile app or by calling the number on the ABOVE: In many European businesses, credit-card readers have keyboards for entering the PIN numbers used with "smart cards." INSET Avoid cash advances. Instead of getting cash with your credit card (and paying fees plus interest for the convenience), use your bank ATM card--but watch out for the exorbitant ATM Mar 5, 2018 You can use your debit card at an ATM for basic transactions like cash withdrawals, check deposits, and more. See how it works. Those devices can steal your card number, and there might even be hidden cameras nearby that can see you type in your PIN. If anything looks funny, move on to a different How much cash can I withdraw using my ATM Debit Card? Members can activate and change the PIN on their consumer debit card by calling (866) 446-6805. The standard daily cash withdrawal limit is ($510.00) per day for Greater Nevada Debit Cards; the additional $10.00 is to account for ATM fees that may apply.
Apps Allow For ATM Withdrawals Without Cards, PINs - CBS New York
Sep 8, 2015 Bart Johnson, a customer at Wintrust Bank in Chicago, got cash from an ATM without swiping any card or entering any PIN at all. security threat the app eliminates is skimming — when thieves attach a device to an ATM so that when you swipe a customer's card, they can steal a debit number and PIN. Jul 27, 2016 Ed Lawrence and his wife arrived in London from Boston on a Sunday with almost no cash. His ATM card didn't work anymore. Neither did his Visa or Mastercard cash advance without the personal identification number (PIN). But American Express did in a big way. “I was thinking I would withdraw some Answers to questions about credit cards including bills, balances, overdraft protection, lost cards, and unauthorized charges. without PIN at a VISA® merchant and cash advances without PIN at a financial regard to error resolution procedures. (E) Limitation on Frequency of Withdrawals and Transfers. The number of withdrawals or transfers, for the time periods above fee for a cash withdrawal with your Card at any non-First Bank of Tennessee.
Jan 16, 2018 Though credit cards don't qualify for cash advances at retail locations, some rewards credit card users have found a loophole than can offer access to cash—at a price. Used sparingly, this can be an inexpensive way to tap some cash from a credit card without paying hefty fees. Some cards may charge The process is quite similar to that with a debit card, and subject to your allowed cash withdrawal limit, which may be lesser than your credit limit. . Even without card (In this case PIN number is not at all required) by keying in the above details in the payment website, money can be paid after getting OTP number through Forgot your PIN number? No worries, we can help. Visit our FAQs page for information on requesting a PIN reminder. account without your permission. PNC Bank You may have a different APR for each transaction type. For example, you may have a lower APR for purchases than you do for cash advances. Daily periodic rate of interest We can change the terms of your credit card agreement, including your interest rates and fees, or
Jan 10, 2009 Any Amex cardholders here know if you can walk into a bank and get a cash advance over the counter without a pin #? I couldn't find anything on their site dealing with this specific issue. I'm going out of town and have ordered a Pin# for this first time, but it doesn't seem to be getting delivered on time. Get the opportunity to change your ATM pin online without visiting an ATM. Citibank Online encourages you to change your ATM Pin occasionally for security purposes.Sep 9, 2014 But it looks like enough other information was stolen in the hack that a clever ID thief wouldn't need that PIN to drain the cash from a victim's bank account. Hopefully, banks will be looking with a wary eye at people who wish to change their PIN without all of the requested information about the account. In addition, most card issuers will start charging interest on your cash advance the day you withdraw from the ATM (i.e., they won't give you a grace period) unless you have a credit balance on your Be sure you know the Personal Identification Number (PIN) for each of your debit and credit cards in case of an emergency.
Is there a fee for Quick Cash transactions? Do I have an additional credit line for Quick Cash transactions? What is my Cash Advance Limit and my Cash Available? Do I need a Personal Identification Number (PIN) to use the Quick Cash feature? Can I use the Quick Cash feature at the ATM's in SAM'S CLUB? Can I use the “PIN” means your. Personal Identification Number or Code (“PIN”) which will be assigned to you by Educators or chosen by you for use with your Card. “ATM” means someone has or may use your Card without your permission, you should notify us amount of the cash withdrawal, or other electronic transaction. Any POS Jul 14, 2010 Skimming, where ATM thieves steal your PIN and account number using remote devices, is increasing dramatically. Siciliano adds that thieves carefully orchestrate ATM withdrawals, maxing out cash withdrawals one day and waiting until after midnight for the next stash, which quickly adds up. Here are I can't "take my card to a bank or atm" without a PIN, which I cannot get because, again, I cannot get in touch with Citibank. SUMMARY: I cannot find out with whom I should contact regarding (1) obtaining a PIN in order to use the cash advance option and 2) I cannot find out where to go to get cash. Message
The card can be used to make signature-based purchases without a PIN. However, a PIN must be used for PIN-based purchases and for cash withdrawals at ATMs. You must choose your own PIN by calling Cardholder Services at 855.203.4147 or visiting after you receive your card. For security What we offer. Fidelity Cash Management Account. Payment Services. ATM/Debit Card · Apple Pay · BillPay · Checkwriting. Move Money. EFTs · Bank Wires · Automatic Investments · Automatic Withdrawals · Deposit Money. FIDELITY REWARDS CREDIT CARD. Visa Signature Card. Product Resources. Get Started with Indigo Platinum MasterCard FAQ. Jan 23, 2016 So, let's take my example of dropping my credit card in the parking lot again, if that happens in France, nobody can use it without knowing my pin. Let me say that again: If you can use a card to get cash from an ATM at home (not a cash advance but a transaction where you enter your pin number), it'll
Get cash. Avoid cash fees. Check your balance and transaction history. Care for your card. Replace your card. Protect your PIN. Note what you can't do with your card. Learn the penalties Benefits will load onto your EBT card on the same day(s) every month when your case is active based on the last number of your SSN: Aug 4, 2017 You present your card at the teller window and the transaction is processed the same as a credit card cash advance, only the money is debited from your account rather than being charged against a line of credit. Depending on the bank's policy, you may have to provide a signature or your PIN number to Cash advance transactions may be made through any of the following ATM - BancNet, ExpressNet, MegaLink, Plus or Cirrus and will require a PIN (Personal Identification Number). If you can't Payment Your cash advance limit is set as a portion of your regular credit limit and may vary from time to time without prior notice. Nov 14, 2017 Most banks and credit card institutions don't give out a PIN code unless a consumer requests it, but if you think you may need a cash advance, you can call your bank and request that they send you a code. You'll need it because without a PIN, anyone holding your card could max out your account.
U.S. Bank ReliaCard Frequently Asked Questions
You may change your PIN at any branch location and check your If you use your Card number without presenting your card (such as for mail order or telephone . TRAN TYPE. AM1 Freedom+ Fees. Withdrawal as Cash Advance. 0.00. Withdrawal On-Us ATM. 0.00. Withdrawal Foreign. 1.00. Withdrawal National. 1.00. I have an existing credit card PIN that I use for cash advance. Do I need This new card comes with a technology that allows you to pay for purchases up to RM250 without signature or PIN. All you have to do is You must select or change your PIN to a number selected by you, before the PIN can be used for transactions.Cash Deposits; Check Deposits; Transfers between Accounts; Balance Inquiries; Loan & Credit Card Payments; Cash Advances from Home Equity LOC, If you want a different 4-digit PIN on your card, just bring your Visions check card or credit card to any Visions FCU ATM and you can change your pin instantly. You must I took a cash advance from a credit card last week. Theoretically I could do both and get $2999. . credit card, you can get credit cash back at Walmart: its just like cash advance but without any fees or pin number access. Credit Card Cash Access- FAQ | Discover Card get cash. Cardmembers may need cash advances
Jun 19, 2017 The biggest advantage of exchanging money with your ATM card is that all cash withdrawals, regardless of size, are exchanged based on the wholesale exchange rate, which is usually If your PIN is based on letters rather than numbers, translate the letters into numbers before leaving the country. “Purchase” means your purchase of goods or services with the use of a Card or Credit Account number (including, without limit, Purchases made in person, on the Internet, through mail order, or over the If a PIN is assigned to you, you can obtain a Cash Advance at any authorized ATM by using your Card and PIN.Applied Bank's Online Customer Service allows you to Update your Account Information, Order Cash Advance Checks, Dispute a Charge, Request a PIN, Update Authorize Users and Change your online password. Subject to change and credit qualification. View rate disclosure and Cash back. Choose cash back and receive 1% cash back on every dollar you spend (net). Money is credited to your credit card account quarterly. Forgot your debit or ATM card PIN (Personal Identification Number) or wish to change it? No need to
6 days ago If you can get cash back with your credit card, the transaction will usually be treated as a cash advance. Cash advances are subject to a fee, and interest begins accruing immediately, rather than at the end of the billing period, as with most credit card transactions. Before getting a cash advance, check your account; Requires PIN entry for debit purchases or requires signature for credit purchases; $4,000 daily purchase limit1; $500 maximum daily cash withdrawal limit Information such as your expiration date, card number (if the original card was lost/stolen or transferred), and closed card notifications are updated daily and Chippewa Valley Bank Cash/Debit cards make all of these transactions possible and there are so many other advantages: Ease of Use Cash cards allow you to make cash withdrawals from your accounts at ATMs and make purchases using your Pin number where merchants allow, up to your daily dollar limit. Debit cards Navy Federal Online®. Free Web Bill Pay. Toll-free in U.S.. 1-888-842-6328. For toll-free numbers when overseas, visit Collect internationally . Initiate a cash advance from your. Navy Federal credit card to your checking or savings account. > Apply for a credit card or a consumer or mortgage loan.
Nov 18, 2017 If you're traveling to Canada, it might be easier to use plastic instead of cash—learn more about what to expect when using your debit and credit cards. to limit the number of cash withdrawals you make to avoid costly fees, but you'll often need cash at local establishments to pay for meals and services. On the cruiselines I know that you can get cash advances on your credit cards at the casino-is the same true for Las Vegas? If so does The way they work is that it is processed as a purchase by the casino, therefore it's not subject to your daily limit on cash advances. You can get credit card cash without a pin number.In addition to the three methods listed above (Online Bill Pay, Teller Cash Withdrawal, and MoneyGram), you can also use our Send Money feature to send money to friends and family…just tell us their email or mobile phone number and the amount you want to send. They can receive the money to their Walmart MoneyCard Personalize your Citi Cash Advance® PIN. Assign your Citi Cash Advance® PIN to a 4-digit number that you will easily remember at any ATM in the Philippines or log in to Citibank® Online. Your PIN is highly confidential, keep it safe - do not write it down nor share it with anyone. For better security, please do not use your
You can generally use a debit card as a credit card by choosing "credit" on the payment terminal and signing for your purchase rather than entering your PIN. Using the credit option can make transactions take longer to complete and in some cases can cost the merchant more money. Sometimes you'll get additional benefits For help with your PIN and to learn more about credit card secure chips, get the details here. Learn how your PIN and chip card are designed to protect you.Oct 30, 2014 You can have an EMV transaction with out without a PIN, and that does not make it a cash advance. This does . From the dialog I see at Barclays, there is a way to change the PIN on a Chip and PIN card, but it's a bit convoluted. You request a PIN change, then make an purchase at an EMV merchant. I only 'bank' at Credit Unions! UICCU called me when a hacker took over $1000 from my debit card account (either at Shnucks or ECE Stores). I'd not have realized that this had happened without Fraud Alert! I was able to review and reject the unauthorized transactions immediately and was able to enable rectification very
Credit Card Questions - Increase Credit Limits - Wells Fargo
Jan 17, 2018 When you register for Bluebird, you will select a personal identification number ("PIN") that may be used to access and authorize certain transactions on . and the owner or operator of the ATM may also impose surcharges and other fees for ATM transactions, including cash withdrawals and/or declined ATM Withdrawal. You can get cash from your credit card at an ATM. You will need a PIN (Personal Identification Number) for your credit card, which you can request to have mailed by clicking Contact Us at the top of the page.Aug 15, 2016 Viral rumor claims cashiers at Walmart steal money from customers by secretly triggering the cash back option during credit/debit card transactions. DON'T KNOW HOW THE CASHIER GOT THE CASH BACK WITH OUT ME USING MY PIN NUMBER BUT SHE DID! Subject: Wal Mart. A few weeks ago I Mar 24, 2017 This is easy. Just call your card issuer and get a PIN number. You'll need this PIN number at the ATM or bank counter (just like how you do it with a debit card). Think of a cash advance as a short-term loan. But be careful: this loan has very costly terms. First, there's a cash advance fee, which is usually 3-5%
Apr 9, 2018 You can use an ATM, request cash back at a retail store or use a cash advance check. cash. Two options do require a personal identification number, which should have been issued to you when you first received the card. Enter your PIN when prompted and then select the option to withdraw funds. Cash Advances. Code of Banking Practice: means the Code of Banking. Practice issued by the New Zealand Bankers' Association dated July 2007, and any . 2.6.2 Cards without chip. If your Card does not contain a chip, you may obtain a. PIN. You will need a PIN if you wish to use your Card for. ATM Transactions.Jun 1, 2007 During this time period, you may not have your funds available in your account to pay your mortgage, rent, loans, or other bills. Many people cannot . Debit cards can function either with a Personal Identification Number (PIN) (on-line transaction) or without a PIN (off-line transaction). ATM (automatic teller Verify your Account. 2. Enter your One-Time Password. 3. Request Completed. Verify your Account. Please enter the required information in the fields below. Card Number: Show Card Number. Date of Birth: Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec. 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19
Perhaps good advice if you bank in Canada, but in the US, in most cases, getting a PIN for a credit card only helps with Cash Advances. The number of US cards that are true Chip and Pin can maybe be counted on one hand (well maybe two now). A PIN is still a good idea (cash advances can come in Find details on what to do if your card is compromised, how to pay your bill in BayFedOnline, and more.You don't mention what type of card it is but you can always call the number on the back of the card and ask them what they suggest. I doubt they'd give a PIN over the phone. If the hotel won't do it for her, she should be able to go into a bank and do a cash advance. Just be sure she brings all her ID with Your Chip & PIN card is suitable for all payment types. Enter your PIN code when you are requested to*; Sign a receipt if you do not have to enter your PIN code; There are also terminals where you can pay without entering your PIN code or signing a receipt, e.g. when entering and exiting car parks, or when filling up your
access cash in local currency by selecting “checking” or for a cash advance inside a bank. As. ATM transactions the cardholder establish a PIN prior to traveling by calling the number on the back of the card. (1-866-674-9621). . that card may be cancelled without impacting the use of the other cards. A backup card acts Jun 13, 2012 They will receive a six digit pin number after making the request, which can be entered at a cash machine for the money to be released. pin codes issued are valid for three hours and people can use the scheme as many times a day as they need to, as long as they do not go over their withdrawal limit.Debit cards let you buy things without carrying cash. You can use your debit card in most stores to pay for something. You just swipe the card and enter your PIN number on a key pad. Debit cards take money out of your checking account immediately. Debit cards let you get cash quickly. You can use your debit card at an When you're ready to make a purchase or take a cash advance, you need options that help you manage your cash flow and stay within budget. CNB bank cards give you that Call 1-844-211-1004; Follow prompts; Enter card number; Enter current PIN; Enter new PIN twice; Confirm the change. Your new PIN will be ready
Dec 4, 2017 - 47 sec - Uploaded by Declan Everett - Subscribe For more Videos ! For more Health Tips | Like | Comment Jan 7, 2013 A person has many familiar four-digit sequences in their life that they can choose as a PIN - the last four of their brother's ZIP code, the last four of their You can also get cash advances without a PIN by going to a bank or Western Union and doing it at the counter, but you're supposed to have photo ID that Your credit card PIN is separate from other PINs you may have and usually comes in the mail shortly after you receive your credit card from us. Contact the VyStar Call Center at (904) 777-6000 or (toll-free) 1 (888) 886-0083 if you need to obtain your PIN. At a VyStar Branch. You may also request a cash advance on your Your Cash Advance Annual Percentage Rate (APR) will apply. What do I do if I forget my PIN? Just go to Account Settings/Manage Your PIN to change your PIN. You won't need to know your current PIN to change it. Also, you can call the number on the back of your card and request to have your PIN mailed to you.
I have to agree, Cash Advances on a credit card are for emergencies only, in the end you'll end up paying something like 40-50% interest on top of a finance charge. USUALLY the only way you can get a cash advance on a credit card is through the ATM with a PIN. If it's a CC issued by a major bank like No, you do not need a PIN to make purchases with your credit card. The PIN issued with your chip credit card is for ATM cash withdrawals only. When traveling internationally, on rare occasions, you may be asked to provide a PIN. Just communicate to the merchant that the credit card requires a signature only. Your PIN will YOUR MCU CHECK CARD & PIN. You have received a special plastic MCU Check Card (“card”). If you were a holder of an MCU Cash Connection Card at the time you received this Card, you may be told that you can continue to use the same Personal Identification Number (“PIN”) in connection with this card. Otherwise Sep 24, 2015 Chase. Chase doesn't offer the ability to disable cash advance lines on its credit cards. However, customers can keep themselves from getting advances by choosing not to set up a personal identification number on the card. Without a PIN, cardholders can't take out a cash advance from an ATM, although
Auto Loan rates range from 2.49% APR - 13.64% APR and subject to change. All Rates are subject to change without notice. Lending rates are subject to credit approval. A fixed-rate loan for $20,000 based upon a 2.49% APR paid over 60 months would have 60 monthly payments of $354.88. All Share accounts are A debit card allows you to make payments and withdraw cash from your available account funds. It looks like a credit card but works like an electronic cheque, because the payment is deducted directly from a bank account. If you use a debit card at a retail store, you or the cashier puts it in (or swipes it through) a terminal After you call the activation number, you'll be asked to set up your PIN (Personal Identification Number). Enter a new number or re-select your previous PIN to make the transition even easier! Once activated, you can immediately begin using your card for purchasing, or at an ATM for cash advances. WPCU doesn't charge 2-Series Bank Identification Numbers .. Cash with Purchase . a PIN in order to provide you with the latest security features. By entering your PIN, you validate that you are the authorized user of the card. You will not be charged a fee to use your PIN unless you are using your credit card to get a cash advance at the ATM.