If you lose your credit, debit or ATM card, how difficult would it be for someone to clean out your account? Easier than you might think.

More than one-quarter of all credit and debit card passwords could be guessed by attempting just 20 combinations of four-digit numbers, security experts say.

Here are other numbers you don’t want to use with any card that requires a PIN or password:

Your birthdate. If you lose your wallet, a thief has access to your birthdate from your driver’s license.

The ever-popular 1234. That’s one of the most popular PIN numbers – and one of the first thieves try.

The seven-digit 8675309. Remember that Tommy Tutone song?

Two-number combinations. Don’t use combinations such as 4545, 1313, and so on.

By the way, you also may want to pass on 3141592654. Those are the first digits of Pi.