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I signed up for this. Sadly, it is not what I thought it was and the website does not make it very clear. Basically, this is for online purchases only. To make

by electic 11y ago

I signed up for this. Sadly, it is not what I thought it was and the website does not make it very clear. Basically, this is for online purchases only. To make matters a bit worse, it wants to connect to your real bank account. What we need here is a physical credit card that I can use in the real-world that has a new number on each swipe. Most of my historical fraud has happened because I probably swiped my card at a location that was compromised. Just my two cents.

BukhariH 11y ago
If you use Apple Pay then that's exactly what you get. A unique credit card number is generated per transaction and passed to the merchant. Not only is it more secure but it also helps protect your privacy against retailers that use your card number to track your purchases across their brands.
- electic 11y ago
  Totally agree. Not all places take Apple Pay and not all places require chip inserts.
- noamsml 11y ago
  Apple Pay uses the same token for many transactions. It's not unique per tap.
adrianmacneil 11y ago
> a physical credit card that I can use in the real-world that has a new number on each swipe We have that already (chip cards, which are currently being rolled out in the US and already standard in the rest of the world, generate a new single-use token for every transaction). https://en.wikipedia.org/wiki/EMV https://en.wikipedia.org/wiki/EMV
garduque 11y ago
> Most of my historical fraud has happened because I probably swiped my card at a location that was compromised. I travel a ton and also do all my shopping online, for years. I have to replace one of my three credit cards every 3-4 months. That is usually within a week or two of visiting a gas station or taxi, places where they don't use chips and in the case of taxis still have the gall to use the paper carbon copy machine things. Whatever though, when a card gets lifted Chase takes care of the charges and overnights me a new card wherever I am (even international). Although I've had many notifications over the years about my card data "possibly" being compromised in some online breach, I don't know that it's every been a real issue. This service makes sense if you don't have a (real) credit card and for some reason want to link your real cash account to a payment service. Otherwise I don't think I get it, or why I would forget my credit card, anyway.

by electic 11y ago

BukhariH 11y ago

If you use Apple Pay then that's exactly what you get. A unique credit card number is generated per transaction and passed to the merchant. Not only is it more secure but it also helps protect your privacy against retailers that use your card number to track your purchases across their brands.

electic 11y ago
Totally agree. Not all places take Apple Pay and not all places require chip inserts.
noamsml 11y ago
Apple Pay uses the same token for many transactions. It's not unique per tap.

adrianmacneil 11y ago

> a physical credit card that I can use in the real-world that has a new number on each swipe We have that already (chip cards, which are currently being rolled out in the US and already standard in the rest of the world, generate a new single-use token for every transaction). https://en.wikipedia.org/wiki/EMV https://en.wikipedia.org/wiki/EMV

garduque 11y ago

> Most of my historical fraud has happened because I probably swiped my card at a location that was compromised. I travel a ton and also do all my shopping online, for years. I have to replace one of my three credit cards every 3-4 months. That is usually within a week or two of visiting a gas station or taxi, places where they don't use chips and in the case of taxis still have the gall to use the paper carbon copy machine things. Whatever though, when a card gets lifted Chase takes care of the charges and overnights me a new card wherever I am (even international). Although I've had many notifications over the years about my card data "possibly" being compromised in some online breach, I don't know that it's every been a real issue. This service makes sense if you don't have a (real) credit card and for some reason want to link your real cash account to a payment service. Otherwise I don't think I get it, or why I would forget my credit card, anyway.