Experts in cyber and banking security tell us that each debit/credit card should have its own PIN number. If you don't want to have to memorize separate numbers for each debit or credit card, you can try this… On the front of each card is a 16 digit number, this number is broken into four groups of four numbers each. All you have to decide is what number to choose out of each of the groups whether it's the first number of each group, the last number of each group the first second third and fourth number, whatever you decide. This will generate a four digit number which you can easily read just by glancing at the card but no one else will know what that number is. If you use the same method for all of your cards, then each card will have its own PIN and you won't have to memorize a single one.