A few weeks ago, I was at the bank to pick up my debit (ATM) card. The ladies who handed it over to me told me I didn’t need to change my PIN and I could go ahead and use it immediately. I took their advice and returned to the supermarket where I was before I realized I didn’t have cash and had an expired card (that’s story for another day). Long story short, I got there, couldn’t use the card as transaction was declined several times. The Contact Center asked me to visit any of the bank ATM points and change my PIN. I got to one, joined a long queue and when eventually it got to my turn, I was told I had tried a wrong PIN the maximum number of times for one day! Can you beat that?

I nicely turned away and started walking towards my…