Mysterious Active Directory lockouts

Something new I learned about Win 7 today is that there is a Control Panel called "Credential Manager". 

Users were having random lockouts to accounts and we were unable to determine the cause.  Turned out because they had selected save password, when logging into sharepoint or mapping a network share or other, causing Credential Manager to store that info.

The problem with that is it seems that if you changed your password, Credential Manager, doesn't know, keeps trying to use your old password, and triggers account lockouts.

References:
http://anandthearchitect.wordpress.com/2011/10/25/active-directory-account-lockout-issues/
http://technet.microsoft.com/nl-nl/library/cc773155(v=ws.10).aspx