Is there a non physical way in which the initial PIN is set?

Many banks now do not issue an initial PIN for the credit or debit card that they issue.

They send instructions along with the original card for how to set the new PIN.

For this purpose one has to visit the ATM of the bank issuing the card.

There a process is outlined which results in an one time password being sent to the mobile number of the cardholder.

Once this number is entered then the new PIN can be set at the ATM.

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