I have the following strings of characters to remember in order to access my mortgage account through the Web or phone.
- card number
- Web password
- telephone security string
- verbal passphrase
All these for a single account. Of course I write them down. I've complained to the bank that I shouldn't have to and thereby potentially compromise my account. No change. Seems that the perception of secerity is more important than the reality.
I wish I could forget the amount of debt as easily.