The Visa card offers a 0.5% cash back and the AMEX card a 1% cash back. There is no charge for either card for the customer however you will find that the AMEX card isn't accepted in many retail outlets.
Is her name Mrs. Drysdale?
I suspect that some of us are findig such ancient facts are no longer as memorable as they were.
Certainly more guessable than a good password. Take the first car owned for example. If you know the approximate age of the customer just pick a common car from when they were late teens-early twenties.
But then if your data is compromised on one site you will have to change the answer on all. It's eqivalent to using the same password on multiple sites -- a bad idea.
I can vaguely remember both but not well enough to be able to type them consistently into a web form.
Middle aged.
That depends.
If you knew approximately where they lived around the age of 4-5 then you would have a good chance of guessing their first school[1]
First employer is a bit more tricky but someone who knew you may know this.
[1] In the UK when I was a child you had virtually no choice where you went to school (state schooling), you went to the closest school.
We were referring to sites that ask the same question.
On 03/07/2014 09:03, Mark wrote: ....
Which I don't think would work for anybody I can think of from that time of my life. Aside from the fact that very few of my contemporaries owned a car at that age, those who did usually managed to do so by rebuilding something much older than themselves, e.g. MG T series, upright Ford Popular, or even a pre-war Rolls Royce, with a tractor engine fitted.
I would prefer Elly May.
This was just one example of many. It may not work for you but that does not disprove the point. Picking a Ford Escort or a Mini in the UK would cover a huge number of people.
There are many research papers on this subject available and they make scary reading for those who rely on such questions.
Here's a general article on the subject:
Taking a research paper at random it notes:
- Acquaintances were able to guess correctly 17% of the answers.
- Users forgot 20% of their answers within 6 months.
- 13% of answers could be guessed within 5 attempts by looking at the most popular answers of other users.
Other papers have stated than friend/family members were able to guess over 30% of the answers.
Not necessarily ... you could create a mux of the site name, plus your favourite word e.g. "ebaymaidenname", "amazonmaidenname" and so on.
Let me guess; "hsbcmaidenname" for your bank account? Not such a good idea...
My point was that teenagers are unlikely to own new cars, so their first cars are not particularly likely to be common for the time. The Ford Escort, for example, was not even made when I was a teenager
That IMO is probably the most serious problem.
That, of course, suggests you should choose answers to things that not many people know about you.
You need your card and a cardreader to access my back account online.
You obviously have not tried a good telephone bank i.e. First Direct. They have been in business as a solely telephone bank for twenty years and do a superb job.
Not with HSBC, then.
I am and do need the reader to get online.
AJH
You don't need a "card and ..". HSBC's Secure Key doesn't require a card in the same way that NatWest & Barclays do.
Mine's like yours. But it is possible that HSBC have two systems in use. With the Secure Key thingy, I can theoretically get online anywhere, as long as I have it with me, which sounds easier than carrying a card reader around.
I wasn't given an option for anything other than the card code generator and can neither access my statements nor make payments without it. I cannot compare it with other banks except co-op where I can access the account but not make payments without the card code generator
AJH
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