Virtually all of my bills except my mortgage are automatically charged to credit cards. This means that every time my card gets compromised and replaced by the bank, I have to go update it 20+ places. And there are always the odd ones that only charge a few times a year (or once a year) and I forget until the charge is declined. Yeah, I may not be liable for the fraudulent charges, but it's still a big pain in the neck when it happens. I'd be more than willing to memorize a PIN if it solved this problem.