I detest Verified by Visa. I was forced to sign up for it about a year ago for an airline ticket purchase online. Incredibly, at that time the signup procedure never told me what my userid would be. I had to telephone my Visa card's customer service to learn that my userid would be my first and last names joined together, i.e. firstlast. Maybe by now they've figured out that people need to know what their userid is, but back then they didn't.