Concidering it's only 4 digits usually yup, but I hardly use my card in public or even keep with me because I really only use it for monthly payments.
This is why Apple enabled 6 digit codes.
Most people's password are usually high digit, low digit, high digit, low digit or reverse, or something stupid like 9876, or 7654
I'm not sure why my teacher taught us this in school but often it's about trying a bunch of different consistency of numbers & how many different ways can you use those numbers obviously.
Differently the most interesting teacher I had. Lol
& if you know the person you can Probly think up a couple Favorite words or names for complicated passwords for things like Apple ID and one letter has to be capital which most likely is the first letter and probably ether 2 digit or 4 digit code