Great question, @FloraVista. If merchants in Europe use the Chip and Pin feature you will need a PIN. You can change the PIN online by clicking on your credit card > Scroll down to Account Services all the way at the bottom of the page > Create or Change PIN. Follow the prompts and you will have set a new PIN for your card. Also, if you will be traveling, don't forget to setup travel notifications also. You can do this by clicking on "Manage Travel Notifications" under the Account services section as well.