Ever tried to pay and wondered why they don't ask for your PIN? Experts break it down so you're not caught off guard.

And the most common four-digit PIN found in data breaches is ... will be more secure if you choose a more obscure PIN, even if it isn't as easy for you to remember at first. Data breaches affected ...

A PIN is not the equivalent of a Microsoft account password that can be used on any device and any network – it’s truly local and won’t be transmitted ... just a short 4 digit number ...