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I have a Final card. You have three options: 1. Use your real card number. I never do this. 2. Use a merchant-locked card number. I use this commonly for onl

I have a Final card. You have three options: 1. Use your real card number. I never do this. 2. Use a merchant-locked card number. I use this commonly for online pizza and other online shops I don't trust much. Once a merchant uses it, only that merchant can use it. 3. Use a one-time card. The number is used once and disabled. Good for one-off orders or skeezy purchases. Overall I've been pretty pleased. I think the idea that card numbers should be disposable is awesome.

wheelerwj 10y ago
this is pretty solid actually, ill have to check it out. edit, i checked it out. so 1) its no open to sign ups, and 2) you have to have pretty stellar credit to even be considered. so that leaves out most people.
- discreditable 10y ago
  Dang, I didn't know about the signup thing. I hopped on when they had an open beta period. (Kinda weird to say that about financial services!)
  - arfrank 10y ago
    There are a tons of reasons to keep our signups closed for now. One non-obvious reason to most people is that it costs us money to lend out money to customers. Theres a ton of others we're working on solving in parallel too
- arfrank 10y ago
  Email me at aaron@getfinal.com and we can get you a code to apply :) We're working on broadening our underwriting criteria, but this is a complicated business overseen by an incredible amount of regulation, while also taking risk when we issue new lines of credit. Large banks throw around a lot of $ to make it work (a lot in this statement), but to start a new provider takes a lot of tactical decisions and iteration to grow in a safe and sustainable way.
arfrank 10y ago
Email me @ aaron@getfinal.com I'd love to hear more, if you don't mind. We encourage people to use the physical card and just treat it as disposable if it ever gets skimmed/breached/stolen/lost. We made sure it impacts none of your other relationships :)

wheelerwj 10y ago

this is pretty solid actually, ill have to check it out. edit, i checked it out. so 1) its no open to sign ups, and 2) you have to have pretty stellar credit to even be considered. so that leaves out most people.

discreditable 10y ago
Dang, I didn't know about the signup thing. I hopped on when they had an open beta period. (Kinda weird to say that about financial services!)
- arfrank 10y ago
  There are a tons of reasons to keep our signups closed for now. One non-obvious reason to most people is that it costs us money to lend out money to customers. Theres a ton of others we're working on solving in parallel too
arfrank 10y ago
Email me at aaron@getfinal.com and we can get you a code to apply :) We're working on broadening our underwriting criteria, but this is a complicated business overseen by an incredible amount of regulation, while also taking risk when we issue new lines of credit. Large banks throw around a lot of $ to make it work (a lot in this statement), but to start a new provider takes a lot of tactical decisions and iteration to grow in a safe and sustainable way.

arfrank 10y ago

Email me @ aaron@getfinal.com I'd love to hear more, if you don't mind. We encourage people to use the physical card and just treat it as disposable if it ever gets skimmed/breached/stolen/lost. We made sure it impacts none of your other relationships :)