Domino's Pizza in the UK recommend changing password and checking bank statement
communicatoremail.com
communicatoremail.com
Also, a company that is detecting breaching of this kind has its eyes open. Not only aren't they breached, but they are out there explaining how it happened to a tiny portion of their customer base and warning others who are using poor password management practices.
A hat tip to you Dominos Pizza. Here's the interview:
https://www.marketplace.org/2015/09/24/business/corner-offic...
I don't know anything about the company/CEO's policy, but I worked as a driver for them beginning around ~2011, and I'd have to say, they really had their s--t together on the tech front. For example, the "Pizza Tracker" is entirely real and accurate (which always amazes my friends), it's actually just a side effect of the system they have to track inventory and paying employees (an employee has to enter their ID at each station and select and order. So maybe Henry isn't actually the person doing the "quality check", but he's the person who punched in his ID and approved it). I worked at a few less experienced delivery places afterwards and the experience was just awful comparatively.
Edit: turns out you can use PayPal (see below), ignore me I'm wrong!
They seem like realistic reasons you wouldn't trust the bank's anti-fraud protections alone.
tl;dr that probably hides a big financial risk [for the poor].
If you won't allow characters like < and > in passwords and you have a maximum length, I thereby presume you're storing them in plain text in your DB and that you lack the competence to avoid XSS.
Having helped people from big companies address the findings in PCI audits they bring me, I know just how bad some of them are when they should know better. It should not take a highly paid consultant to tell people to disable export ciphers and they shouldn't have to tell anyone the same things on different ports two years in a row.
So yeah, I don't care if I'm liable for fraud or not, I don't want to make it easier and I don't want to be the guy whose identity gets stolen, nor to reward sites that make it easy for criminals to thrive.
Half the point of a credit card is that transactions are repudiable for like 6 months, so if some careless food joint gets your credit card info stolen, it's not a huge inconvenience. You just call your bank, reverse the transaction, and get a new card in the mail in a day or two.
The real solution, of course, is to have push-based rather than pull-based digital payment systems, but consumer finance moves slowly.
When I came home I needed a new one as I was supposed to be moving abroad a couple of weeks later. The earliest appointment (which is supposedly faster than doing it by post) they could give me was after 1 month, and after that I still had to wait a week for it to arrive.
My wife is from Lithuania (EU country) and when we got married she went to the passport office (just walk in and wait) and got a new passport the next day.
Edit: Just checked and the limit is still 20 characters :\