MY first ATM card

I went to the bank simpanan nasional to take my ATM card this morning. Thank God! No long long queue this time! This card is the first ATM card in my life. WOw! After signing my big name on the card and on the letter, the blue BSN Matrics Card eventually came to my hands! Then the "good' and "polite" lady reminded me that I was required to change the PIN I received to the PIN of my choice at the BSN ATM machine. I was quite surprised! I kept on asking myself : Huh? Should I do that? Is there a rule like that? I couldn't stop myself from feeling suspicious of this rule. I felt that the lady was trying to cheat me as she wanted to make me look like a fool! HAha.. there was a reason for me to think like that! U know 2 weeks ago, when I had gone to open a new GIRO acc and make a new ATM card, the woman had told me to come back 2 weeks later to take my card. However when I went to take my card today, I overheard her conversation with a Malay man.
(the lady working in the bank=w, the malay man=m)
m: buka acc dan buat card perlu 50 ya?
w: ya.
m: bila saya boleh ambil card saya tu?
w: card itu siap dlm satu minggu.
m: satu minggu? son saya pergi study in matrik kepala batas minggu depan. Ada BSN di tempat tu?
w: Kepala Batas? biar saya check dulu.
blah blah blah...
see? one week for the man but 2 weeks for me....
Whether or not she lied to me, I needed to do that. Tentatively, I "inset" my card into the machine involuntarily. Luckily, the lady didn't cheat me... yep ! I need to change my PIN first before making any transaction using the card! So as to check whether my card could work or not, I tried to withdraw 10 ringgit from my acc... RM 10! When the words"Transaction complete" appeared on the screen, my feeling soared! I was really happy at that moment. It seemed that I had already perform a tough task superbly! HAhahaa.. However I was laughed by the man queuing behind me when he caught sight of the red 10 ringgit in my hand... I could still remember the big fat grin on his wrinkled face...