You use verified by VISA???
It's a pointless, rarely used (and therefore regularly forgotten) password that can be reset using publicly available information.
If any transaction ever shows up as VbV then I KNOW it's fraudulent - so does my bank, I have several communications with them where I state that.
(Actually I have once used VbV - I was on the phone to my bank at the time, and they purged the registration straight away)