Trick to remember multiple Credit/Debit cards PIN?

[Manoj Pant]

How to remember PIN of multiple Credit & Debit cards easily? Is there any safe trick? is it good idea to make similar PIN for all cards?

 

[aayusharyan]

Tried this out sometime back keeping the PIN of each card as the birthday of my exes. Unfortunately, I ran out of cards. (Btw, I hold 20+ cards) 🤣

Will delete this after some time because my gf and I share this account 😅

Daaamn, you are a player my bro. You have 20+ exes.

 

[Deleted member 11974]

a simple way to keep useful passwords can be
the first digit of the 16-digit card number
for example
4XXX 3XXX 5XXX 7XXX
4357

OR
the last digit of the 16-digit card number
XXX9 XXX8 XXX7 XXX6

9876


this way you do not need to remember the password
one look at it is more than enough

 

[aayusharyan]

Make an encrypted excel file and store all the passwords there.

I used to do that, the problem is it's only available on one device. And if I share across multiple devices, then version management becomes a problem, like if I add a new account / update an account to one, then I need to sync that sheet across all devices.

Instead I just use a Password Manager. I pay for that convenience 🙈

 

[Walter White]

Daaamn, you are a player my bro. You have 20+ exes.

Lol, bhai banter tha yeh. Itna bada player nhi hun main. 🤣

 

[aayusharyan]

a simple way to keep useful passwords can be
the first digit of the 16-digit card number
for example
4XXX 3XXX 5XXX 7XXX
4357

OR
the last digit of the 16-digit card number
XXX9 XXX8 XXX7 XXX6

9876


this way you do not need to remember the password
one look at it is more than enough

I used to do MM/YY as the pin but then in a year realised that if I change the hashing method, I need to update over 25 of my cards which is a royal pain in the buttocks. This technique, or any other hashing mechanism is good on paper. The problem comes when there is time to change them.

 

[CARDBITRAGE]

I am using a Notes app to keep track of all Cards, Bank account details, all email and app passwords and I keep it hidden from the app list. No one can find it even on an unlocked phone except me.

Also I keep the transaction limits to bare minimum and always turn off International and ATM transactions for all cards, disable Tap n pay for those which I don't use.

Also I have learnt not to save card details in websites and apps except for a few trusted ones. I use Flipkart every month but none of my cards are saved there whereas in Amazon, Paytm etc all cards are saved.

Notes on iOS? How do you hide the notes? At max, you can lock the individual notes, but that can be breached easily.

 

[Card_Crafter]

Notes on iOS? How do you hide the notes? At max, you can lock the individual notes, but that can be breached easily.

On Android. In Android there is a inbuilt support for hiding apps. I use some custom keypad codes for accessing hidden apps.

 

[gamersgzb]

I am using a Notes app to keep track of all Cards, Bank account details, all email and app passwords and I keep it hidden from the app list. No one can find it even on an unlocked phone except me.

Also I keep the transaction limits to bare minimum and always turn off International and ATM transactions for all cards, disable Tap n pay for those which I don't use.

Also I have learnt not to save card details in websites and apps except for a few trusted ones. I use Flipkart every month but none of my cards are saved there whereas in Amazon, Paytm etc all cards are saved.

What if you lose your phone?

 

[Deleted member 11974]

I used to do MM/YY as the pin but then in a year realised that if I change the hashing method, I need to update over 25 of my cards which is a royal pain in the buttocks. This technique, or any other hashing mechanism is good on paper. The problem comes when there is time to change them.

This method is good because usually cards get changed once in 5 years and due to Devaluations many get closed.
So if any card is held for that big a period.
When the new card comes updating the pin as mentioned becomes easy

 

[CARDBITRAGE]

What if you lose your phone?

I think it's stored on cloud. So you can retrieve it easily. Atleast that's how it is in Notes linked to iCloud(iOS).

 

[misteramit]

simple easy solution - keep same pin on all DC and CC but on the same time turn off everything / every type of TXN settings on mobile app or net-banking site - only activate as needed and turn off instantly after using

 

[Card_Crafter]

I think it's stored on cloud. So you can retrieve it easily. Atleast that's how it is in Notes linked to iCloud(iOS).

Yes it is automatically synced to cloud.