Tip: Keep PINs Private

Personal identification numbers (PINs) are everywhere. They enable users to access automated teller machines, make purchases with their debit cards, shop from home, and even unlock their car doors. For each access, it makes sense to choose the same number--which means something to you, but not to anyone else.

But, remember, that increases your vulnerability should you divulge or lose your PIN. Never carry your PIN with you or write it on your card, and don't divulge it to anyone outside the family.