I have many accounts that require a PIN. Many of them I set up years ago and have no idea what the PIN would be. I'm always able to talk my way out of it, thoug

I have many accounts that require a PIN. Many of them I set up years ago and have no idea what the PIN would be. I'm always able to talk my way out of it, though. (And this is not something I practice or know how to do well. I literally just say something like, "PIN? I have no idea. I don't even remember having the option to set one.")