Bank of Scotland interest

Eco_Miser

adindas wrote: »

If you have many credit cards, I wonder why do not use just one PIN number for all of them?

It makes life easier for criminals too.

I can't remember numbers- but I can remember phrases, and there are ways to convert words to numbers easily, eg length of word, letters on phone keypad. For my lesser used cards, I look at the words printed on the card, select four of them, convert to digits, and set my PIN to be those digits. Easier to do than to describe. Then when using the card, looking at it reminds me of the phrase, and I enter the corresponding digits.

surreysaver

Eco_Miser wrote: »

It makes life easier for criminals too.

I can't remember numbers- but I can remember phrases, and there are ways to convert words to numbers easily, eg length of word, letters on phone keypad. For my lesser used cards, I look at the words printed on the card, select four of them, convert to digits, and set my PIN to be those digits. Easier to do than to describe. Then when using the card, looking at it reminds me of the phrase, and I enter the corresponding digits.

I was under the impression it is against Terms & Conditions to use the same PIN for different cards. Quite how they'd know that unless you told them, I'm not quite sure.