Another ridiculous fact - a legitimate cardholder cannot use the card if they haven't got the physical card with them for the pin on the back (unless they wrote

Another ridiculous fact - a legitimate cardholder cannot use the card if they haven't got the physical card with them for the pin on the back (unless they wrote that down somewhere). The bank will not give it to you (and may not have it). Ironic, considering an attacker would have that pin 100% of the time, whereas the legitimate cardholder might not.