My credit card was ripped off 4 times in the last year. Recently, I had a credit card for less than a week. Since then, I started to use Virtual numbers. It's a feature that generates a virtual credit card number that I am opting to use per vendor. Hopefully, this will expose the vendors that are leaking this sensitive information.
Good idea. Which bank or credit card are you getting this service through?
The only two live US banks with this on the consumer side are Citi and BoA. The unfortunate thing is that the functionality is all accessed via old flash applications.
My credit card was ripped off 4 times in the last year. Recently, I had a credit card for less than a week. Since then, I started to use Virtual numbers. It's a feature that generates a virtual credit card number that I am opting to use per vendor. Hopefully, this will expose the vendors that are leaking this sensitive information.
I do that too (with BoA) but only for vendors that I don't use often because it is easier like that, hence I am still at risk.
Good idea. Which bank or credit card are you getting this service through?
The only two live US banks with this on the consumer side are Citi and BoA. The unfortunate thing is that the functionality is all accessed via old flash applications.
My sarcasm detector is admittedly permanently broken thanks to years on IRC and forums, but just in case: It's useful because the steps a reader would need to take before being secure clicking through to a site identified in the submission title as "hacked" (I notice the title has been clarified since then) are non-trivial. I figured since I'd done them once, I might as well save additional folks the steps if they we…
It's useful because this situation is temporary. Once the site is back online, the explanation will no longer be posted and anyone coming across this post in a week, month, or years later will have no information.
It's still a major hassle when our cards get compromised and subsequently canceled by the bank. I've had it happen when I'm traveling, and my primary card suddenly stops working. I always carry backups for this reason, but it's still disruptive and potentially embarrassing. Also if I have a card on file for recurring payments or repeat orders, I have to go find all of those places and update it every time the card ge…
> I finally took to having a single card that is used for ONLY recurring payments... This is a sound plan. Kudos! For non-recurring payments, I've taken this a step further: I use a debit card for online purchases backed by an account with just a few dollars in it. When I wish to make a purchase, I move the funds for that purchase into that account. I would rather have a fraudulent purchase be declined than to deal w…
Are you sure it works that way? By default, the bank is more than happy to let the transaction go through, then charge you $20 for loaning you the money, plus much more interest than you'd pay with a credit card.
You shouldn't be worried now. You don't pay for any fraudulent charges.
It's still a major hassle when our cards get compromised and subsequently canceled by the bank. I've had it happen when I'm traveling, and my primary card suddenly stops working. I always carry backups for this reason, but it's still disruptive and potentially embarrassing. Also if I have a card on file for recurring payments or repeat orders, I have to go find all of those places and update it every time the card ge…
Use an American Express. My card was compromised 8 months ago and most my recurring transactions still go through on the old card #. Amex was the only card issuer that didn't issue new #s to cards breached during target hack.
Also most recurring billers use account updater so if your bank supports it, the billers will get the new card #.
> I finally took to having a single card that is used for ONLY recurring payments... This is a sound plan. Kudos! For non-recurring payments, I've taken this a step further: I use a debit card for online purchases backed by an account with just a few dollars in it. When I wish to make a purchase, I move the funds for that purchase into that account. I would rather have a fraudulent purchase be declined than to deal w…
Are you sure it works that way? By default, the bank is more than happy to let the transaction go through, then charge you $20 for loaning you the money, plus much more interest than you'd pay with a credit card.
I'm 100% certain. I checked it intentionally once, and accidentally another time. As I understand it the trick was to decline the "Overdraft Protection" shit that every bank was pushing many, many years ago.
The only two live US banks with this on the consumer side are Citi and BoA. The unfortunate thing is that the functionality is all accessed via old flash applications.
Citi has a Windows program also.
You are correct. Forgot about that one since it's just their flash app wrapped to work on Windows with a bit of extra copy & paste functionality.