Product managers need to say no sometimes

I have received an email from Capital One about a new feature: Their web site now allows you to view your PIN on-line, however who will use the feature:

  • People who use their card will know the PIN – most transactions requires the PIN these days.
  • People who doesn’t use their card is not like to have set-up on-line access and therefore can’t use the feature.

It seems to me as a pretty pointless feature where the product manager should have said no.

Note: The feature was presented as a new service for customer, but I actually believe it was created as a cost saving feature. It allows Capital One to ask people to set-up an online access and get their PIN that way if they call Customer Service for a PIN – this will save the cost of posting a PIN.

You can ask Capital One about the feature at @AskCapitalOne


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