> You should consider asking phone verification, or keep a credit card of file. This is absolutely terrible advice, unless 1) your site is a commerce site, and

> You should consider asking phone verification, or keep a credit card of file. This is absolutely terrible advice, unless 1) your site is a commerce site, and you actually need credit card information and/or phone number to do business, 2) you cannot use a payment system like paypal for transaction because you got banned for some reason, so you need to store CC info.. In any case, you actually do not need to store credit card information, because you are probably doing it wrong if you are suggesting random people on the internet also do the same on their websites without knowing anything else about what they do.