Good morning . Madam . What can I do for you today ?   Hello . I hope you can help me ; I'm a little worried about my new card .   What seems to be the problem ?   I received my new card this morning , but I'm unable to use it .   Oh ? You mean , the ATM machine has eaten it ?   No , it's right here , see ? The ATM will not accept it !   You said you received your card this morning , am I right ?   Yes . I was told it would be activated and ready to use right away . So , what's gone wrong ?   Did you receive your PIN number yet , Madam ? You see , unless you have your new PIN number , to match your new card , you cannot use it . We usually send that separately , around one day after the card , for security reasons .   Well , that explains it . I've been using my old PIN number ! Thanks for explaining everything to me . 