Wait! The story doesn’t end after you enter your PIN and make a purchase. It is also necessary for you to consider how safe you are while you use your debit card with the PIN. You need to consider some basic steps to have a secured transaction. Firstly, make sure that no body views your PIN while you are entering it. "At present, POS machines at most outlets are installed in such a way that the cashier has a clear view. Ideally, the retailers should provide a separate enclosure for customers to enter the PIN. If such facilities to ensure privacy are not available, you should cover the digits panel while punching in your PIN," suggests VN Kulkarni, chief credit counsellor with Bank of India-backed Abhay Credit Counselling Centre.

Secondly, make sure that don reveal your PIN to any one and do not let the cashier enter the PIN for you at ant circumstances. When such circumstances arrive, it’s better to carry cash or choose to withdraw cash from the nearest ATM and pay the cashier.

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