So, I decided I was going to switch credit cards, for a variety of reasons. I applied for, and received, my new credit card, and was told I had to call the bank to set up telephone and internet banking. Fine. On the phone, I was told that I would receive the instructions and passwords for the two services in the mail about a week later. In fact, I did. I receieved four identical envelopes on the same day. In two of them were my user names. In the other two were my passwords. Hmm - let's see - person gets four identical envelopes from the bank on the same day. I am sure there can't possibly be any relation between them, so I, as the bad fraudster, wouldn't even think to have a look through those four, identical, surely meaningless envelopes.