it's a 4-digit number, allocated by the bank which I can't change. 3 wrong tries and the ATM swallows the card, blows the chip, or the shop cashier receives a message that she must retain it.
Hard to remember?
No - I write it on the back of the card, coded with an algorithm only I know (no, not inversion, shifting, etc. Much more evil) If I forget the number, I can always remember the algorithm, as it's the same for all 4 cards I own.
Register
Here in Finland...
it's a 4-digit number, allocated by the bank which I can't change. 3 wrong tries and the ATM swallows the card, blows the chip, or the shop cashier receives a message that she must retain it.
Hard to remember?
No - I write it on the back of the card, coded with an algorithm only I know (no, not inversion, shifting, etc. Much more evil) If I forget the number, I can always remember the algorithm, as it's the same for all 4 cards I own.