Start Memorizing PIN Numbers for Your Credit Cards

Hackers have breached customer databases at Neiman Marcus, and now, the latest, SuperValu - at 200 stores. Credit card PINs, the equivalent of two-factor authorization for web sites, are widely used in Europe. Since they’re not widely used in the U.S., American retailers are the easy target. Get ready to memorize PINs for each your credit cards, which will significantly reduce this threat.

2014-08-20 Update: "In all, U.S. lenders will issue more than 575 million chip credit and debit cards by the end of 2015, representing roughly half of the one billion cards now in circulation, according to an industry-group projection."