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Despite my bottomless hate for PayPal, I’ve been keeping my account active because there was always some worse option to give your credit card number to. But w

by 404mm 2y ago

Despite my bottomless hate for PayPal, I’ve been keeping my account active because there was always some worse option to give your credit card number to. But with Privacy.com, I’m finally ready to let go.

koyote 2y ago
Same here, I absolutely despise PayPal but end up using them often because I simply don't trust most retailers with my card information :( (and it's often faster checkout if I don't have my CC details handy) That being said, there's quite a bit of competition these days from BNPL vendors (klarna, afterpay etc.). I don't believe they are any more virtuous though...
- loa_in_ 2y ago
  Imagine shopping and not trusting the shop enough to pull out your wallet inside
  - Symbiote 2y ago
    Before chip cards were introduced in Europe (which was 20 years ago so most of my experience was as a child) this could happen. My parents would avoid using a credit card in some restaurants and (less often) at remote petrol stations.
  - koyote 2y ago
    It's not that I do not trust the shop to scam/fraud me (well, sometimes I do), but I do not trust their IT processes. There are a surprising number of online shops that rolled their own payment processing (or at least seem to be). So it's more akin to entrusting a shop with a photo of both sides of your credit card and hoping that this photo does not get into the wrong hands. Here's an example of this happening where drivers licenses were exposed via an open AWS S3 bucket: https://www.itnews.com.au/news/over-54000-scanned-nsw-drivers-licences-found-in-open-cloud-storage-552544 https://www.itnews.com.au/news/over-54000-scanned-nsw-driver...
UberFly 2y ago
I'm also all in on privacy.com. I hope they stick around because it's such an awesome service.
AlbertCory 2y ago
Every time I bring this up, someone says "oh, they'll ruin your credit rating!" No, actually they don't, unless you do something fraudulent. If you cancel your subscription legitimately and then kill the credit card, you've just made sure there aren't any "accidental" charges.
- onesociety2022 2y ago
  Most people want to use privacy.com so you don’t have to cancel the subscription because websites like to put up artificial barriers like having to call a phone number and wait on hold to cancel a subscription. So what happens in that situation where you technically never officially canceled the subscription and so the company continues to bill you and when the payments don’t succeed, they send it to collections?
  - AlbertCory 2y ago
    Hypothetical. In my experience, they say "your credit card is failing, please give us another one." Because credit cards fail all the time. It's not Red Alert. You go to the page to change your credit card, and THEN you usually can find the "cancel my account" link. As long as you're not still using their service, you don't owe anything. They cancel you, and that's that. No collections agency. If someone has an actual event, not a hypothetical, speak up.

by 404mm 2y ago

koyote 2y ago

Same here, I absolutely despise PayPal but end up using them often because I simply don't trust most retailers with my card information :( (and it's often faster checkout if I don't have my CC details handy) That being said, there's quite a bit of competition these days from BNPL vendors (klarna, afterpay etc.). I don't believe they are any more virtuous though...

loa_in_ 2y ago
Imagine shopping and not trusting the shop enough to pull out your wallet inside
- Symbiote 2y ago
  Before chip cards were introduced in Europe (which was 20 years ago so most of my experience was as a child) this could happen. My parents would avoid using a credit card in some restaurants and (less often) at remote petrol stations.
- koyote 2y ago
  It's not that I do not trust the shop to scam/fraud me (well, sometimes I do), but I do not trust their IT processes. There are a surprising number of online shops that rolled their own payment processing (or at least seem to be). So it's more akin to entrusting a shop with a photo of both sides of your credit card and hoping that this photo does not get into the wrong hands. Here's an example of this happening where drivers licenses were exposed via an open AWS S3 bucket: https://www.itnews.com.au/news/over-54000-scanned-nsw-drivers-licences-found-in-open-cloud-storage-552544 https://www.itnews.com.au/news/over-54000-scanned-nsw-driver...

UberFly 2y ago

I'm also all in on privacy.com. I hope they stick around because it's such an awesome service.

AlbertCory 2y ago

Every time I bring this up, someone says "oh, they'll ruin your credit rating!" No, actually they don't, unless you do something fraudulent. If you cancel your subscription legitimately and then kill the credit card, you've just made sure there aren't any "accidental" charges.

onesociety2022 2y ago
Most people want to use privacy.com so you don’t have to cancel the subscription because websites like to put up artificial barriers like having to call a phone number and wait on hold to cancel a subscription. So what happens in that situation where you technically never officially canceled the subscription and so the company continues to bill you and when the payments don’t succeed, they send it to collections?
- AlbertCory 2y ago
  Hypothetical. In my experience, they say "your credit card is failing, please give us another one." Because credit cards fail all the time. It's not Red Alert. You go to the page to change your credit card, and THEN you usually can find the "cancel my account" link. As long as you're not still using their service, you don't owe anything. They cancel you, and that's that. No collections agency. If someone has an actual event, not a hypothetical, speak up.