I was much more confident in remembering pin numbers before I started using contactless and google pay, and that was when I was with a bank where I just used the random one they sent me.
I don’t know how people get through life to be honest. The fact it’s changeable is only written on every letter enclosed with every new card and PIN.
In the 1990s, Midland Bank Live Cash had something called PINsafe – a credit card sized grid of the letters of the alphabet. You picked a four letter word and wrote your PIN under the letters, then wrote random numbers under all the other letters. Simple but effective.
I’ve got the not-so-secure habit of changing my PINs to the default PIN of the last card I’ve received, with separate PINs for my credit cards and my debit cards.
When you put it that way, I’m not even sure where I got that idea from. I guess it just feels “too easy”, in that once someone figures out the PIN to one of my cards, they have access to all of my debit or credit cards, depending on which one was captured. But yeah, at the end of the day, if it’s not something someone can make an educated guess on based on my social media or other personal info it’s reasonably secure.