How do you get a Citi Sapphire Preferred credit card PIN?

No, Chase doesn’t have any chip-and-PIN credit cards. All recently issued Chase cards are chip-and-signature credit cards. They have a small computer chip embedded inside, just like chip-and-PIN cards. The difference is in how you verify your identity when you use the card. With a chip-and-signature card, you have to sign your name when you make a purchase. A chip-and-PIN card requires a four-digit PIN (Personal Identification Number).... read full answer

Naturally, it’s easier to do a false signature than to find out someone’s PIN. So, chip-and-signature cards are slightly less secure than chip-and-PIN cards. But both types are more secure than cards that only have a magnetic stripe because they encrypt the data more.

What you should know before getting a Chase credit card:

Most chip cards issued in the U.S. are chip-and-signature cards. Chip-and-PIN is much more popular abroad. But you can use Chase chip-and-signature credit cards pretty much anywhere in the world where chip-and-PIN cards are accepted. Merchants are supposed to accept your card even if you don’t have a PIN. You might have trouble using a chip-and-signature card at an automated terminal, though.

Yes, you can use a credit card without a PIN. You only need one if you plan to use your card for cash advances at ATMs. You may also need a PIN to make purchases at automated kiosks when traveling abroad. However, besides these two exceptions, no PIN is necessary to make a purchase with a credit card.... read full answer

If you need a PIN for certain transactions, you can generally request it online, over the phone, or at a branch, depending on the credit card issuer.

A Chase cash advance generally costs: Either $10 or 5% of the amount of each transaction, whichever is greater. Some exceptions are certain Chase’s business credit cards, as well as some co-branded cards. Moreover, interest begins accruing on a cash advance immediately; the Chase cash advance APR is 29.49% (V) for most cards, which is a lot higher than each card’s regular APR.

Here's what you should know before getting a chase cash advance:

• Chase Cash Advance Fee: Either $10 or 5% of the amount of each transaction, whichever is greater. This goes for the vast majority of the cards.
• Chase Cash Advance APR: 29.49% (V) for most Chase credit cards. This rate kicks in right when you withdraw the money.
• PIN: A PIN is required to get a Chase credit card cash advance at an ATM. You can call the number you see on the back of your card to request a PIN from Chase customer service.
• How to Do It: You use your Chase credit card like a debit card to get money from an ATM. Your cash advance balance is the amount you withdraw, plus the cash advance fee.
• Limits: Many cards have a separate cash advance limit, which is a portion of their overall credit limit. For example, while your limit might be $1,000, if your cash advance limit is 10%, you'll only be able to withdraw $100.

So, to put it simply, cash advances are expensive. You really should avoid them entirely unless you’re in an emergency situation and a cash advance is your only option. If you do have to make one, you can’t avoid the fee, but you can prevent a lot of the interest if you repay your balance right away. But you should also know that cash advances will look bad to your issuer, and could also hurt your chances of getting a credit limit increase in the future.