3 Ways to Get Cash That Don’t Require a Credit Card PIN

If you’ve forgotten your credit card PIN, there are still ways to get cash. Here are three methods you can use to withdraw cash without entering your PIN.

Method 1: Getting Cash Without a PIN

Step 1: Go to a bank that accepts your credit card and ask for a cash advance.

• Bring your credit card and a photo ID, such as your driver’s license or passport.
• Walk into any bank or credit union that works with your credit card company.
• Present your information to a teller and let them know how much cash you want to withdraw.
• Note that withdrawing cash from your credit card incurs a fee of about 3-5% of the withdrawal amount.
• Check your credit card balance online or call your credit card company before withdrawing cash to ensure you have enough available credit.

Step 2: Check if your credit card gives you cash back at stores.

• Some credit cards allow you to get cash back when you purchase items at a store, similar to using a debit card.
• Look up your card details online, go to your online banking account, or call your card’s customer service to see if they offer this feature.
• Be aware that most stores have a cap on the amount of cash you can withdraw as cashback.

Step 3: Purchase a prepaid debit card with your credit card.

• Prepaid debit cards are available at big-box stores like Walmart and Target and often come preloaded with a set amount, typically $50-100.
• Use your credit card to purchase the prepaid card.
• Set up a PIN by calling the number on the card.
• Withdraw cash from an ATM using the prepaid card.
• Note that there may be small fees for activating the card and withdrawing cash.

Method 2: Other Ways to Make Payments

Step 1: Ask your credit card company to send you a convenience check.

• Convenience checks withdraw money from your credit card and can be used like regular checks.
• Most credit card companies send these checks when you open an account. If you don’t have any, request some by calling your credit card’s customer service line or visiting their website.
• Using convenience checks usually incurs the same fees and high-interest rates as a cash advance.

Step 2: Get a money order from a post office or big-box store.

• Money orders work similarly to cash and checks but are purchased from banks, post offices, drugstores, or big-box stores like Walmart.
• Specify the amount, fill it out with the recipient’s information, and use it for transactions.
• Using your credit card to buy a money order usually incurs the same fees and interest as making a cash advance.

Step 3: Pay people with an online payment service like Venmo or PayPal.

• Download the app of your choice or access it using your internet browser.
• Add your credit card information to the payment method page in the app.
• Use the app to pay for items at stores that accept Venmo, PayPal, or CashApp, or send money to friends.
• Making purchases and sending money with your credit card typically incurs a small cash advance fee of around 3%.

FAQs

Can I withdraw cash at an ATM without a PIN?

• No, ATMs require a PIN to ensure you are the card’s owner and protect against fraud. If you don’t know your PIN, use one of the other methods described to withdraw cash from your credit card.

How do I get or recover a credit card PIN?

• Request a credit card PIN online or by calling your credit card company.
• Most companies allow you to change or set your PIN on your online credit card account.
• You can also call your credit card’s customer service line to request a new PIN. Most credit card companies will send your new PIN in the mail within 7 to 10 days.
• Some banks may email or text you your new PIN if you update it online.