When creating a password, users tend to use Select one: a. All capital letters b. Passwords that are too long c. Familiar phrases d. Numbers only

c. Familiar phrases

Explanation:

While generating password for any site, application or account, it is the human tendency to select a password which has some known phrases, which the person tends to remember easily.

As, people are scared to forget the password, so to be on the safe side,

People select some familiar words like, name of his or her pets, family member, spouse etc.

Hence, from the given information of the question,

The correct term is c. Familiar phrases.