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A Final Farewell

getfinal.com

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Re: A Final Farewell

#61

Post by lewisl9029 »

tejasm wrote: post #11
lewisl9029 wrote: post #5

That's too bad. I loved using Final. I know Privacy [0] is one possible alternative, but it's debit based rather than credit based like Final is, and they require linking a bank account by username and password, which AFAIK makes you entirely liable for any fraudulent activity for the account, so that's a non-starter for me. Anyone aware of any other services that provide virtual cards like these? [0] https://privacy…

Early Final adopter here. I liked the product but wasn't able to differentiate between Final and other VCCs. Bank of America and Citibank offer virtual credit card creation which is very close to what Final does. Their UI is very clunky but does the trick without worrying about the liability part.

That's good to know. I've been eyeing the Citi Doublecash for the longest time, but being rather new to the US, I haven't built up a long enough credit history for them to accept my application (I was rejected the last time I applied).

Hopefully the service will still be there when I finally get my hands on that card.

Re: A Final Farewell

#62

Post by manyxcxi »

lewisl9029 wrote: post #5

That's too bad. I loved using Final. I know Privacy [0] is one possible alternative, but it's debit based rather than credit based like Final is, and they require linking a bank account by username and password, which AFAIK makes you entirely liable for any fraudulent activity for the account, so that's a non-starter for me. Anyone aware of any other services that provide virtual cards like these? [0] https://privacy…

I really liked the concept of Final and I used mine for all one-off purchases from random merchants online. The app made it very easy to generate a card on the fly, the UI was nice, and support was nice and helpful the couple times I reached out.

I found, probably like a lot of others, I just didn’t put much volume through it. The rewards were just too weak compared to any of my other cards to justify using it as a primary card.

The rewards (1% cash back) would never pay for the (initial) yearly cost. When I called to cancel my card citing the yearly fee they waived it- and two weeks later announced they were killing the yearly fee.

In the two-ish years I had the card I put roughly $1,500 through. Comparatively, I have averaged over $9K/mo through my AmEx Platinum in the last two years.

Re: A Final Farewell

#63

Post by lewisl9029 »

manyxcxi wrote: post #62
lewisl9029 wrote: post #5

That's too bad. I loved using Final. I know Privacy [0] is one possible alternative, but it's debit based rather than credit based like Final is, and they require linking a bank account by username and password, which AFAIK makes you entirely liable for any fraudulent activity for the account, so that's a non-starter for me. Anyone aware of any other services that provide virtual cards like these? [0] https://privacy…

I really liked the concept of Final and I used mine for all one-off purchases from random merchants online. The app made it very easy to generate a card on the fly, the UI was nice, and support was nice and helpful the couple times I reached out. I found, probably like a lot of others, I just didn’t put much volume through it. The rewards were just too weak compared to any of my other cards to justify using it as a p…

Yeah, the lacklustre rewards is definitely one of my pet peeves with it too. That and the foreign transaction fee, which killed the prospect of using it for shady foreign websites.

Also, one thing that Privacy gets right that Final didn't was the UX around virtual card generation. Privacy had browser extensions that let you generate new cards and autofill them on just about any website. Final never did, and that made making online purchases with a one-time Final virtual card a huge chore (though still less so than using a regular physical credit card).

If someone makes a Final clone that has 2% flat cashback, no foreign transaction fees, and a browser extension, I could totally see myself putting all of my purchases on it by default without a second thought.

Re: A Final Farewell

#64

Post by ryanwaggoner »

lewisl9029 wrote: post #5

That's too bad. I loved using Final. I know Privacy [0] is one possible alternative, but it's debit based rather than credit based like Final is, and they require linking a bank account by username and password, which AFAIK makes you entirely liable for any fraudulent activity for the account, so that's a non-starter for me. Anyone aware of any other services that provide virtual cards like these? [0] https://privacy…

My understanding is that Regulation E sharply limits your liability, even if you have shared your username and password: https://www.reuters.com/article/us-column-weston-banks/why-b...

Re: A Final Farewell

#65

Post by lewisl9029 »

ryanwaggoner wrote: post #64
lewisl9029 wrote: post #5

That's too bad. I loved using Final. I know Privacy [0] is one possible alternative, but it's debit based rather than credit based like Final is, and they require linking a bank account by username and password, which AFAIK makes you entirely liable for any fraudulent activity for the account, so that's a non-starter for me. Anyone aware of any other services that provide virtual cards like these? [0] https://privacy…

My understanding is that Regulation E sharply limits your liability, even if you have shared your username and password: https://www.reuters.com/article/us-column-weston-banks/why-b...

Thank you for that read. I guess I may have fallen for the banks' FUD.

Maybe I will consider trying out Privacy after all? Probably with a secondary account at first.

Re: A Final Farewell

#66

Post by superquest »

ggg9990 wrote: post #25
RickS wrote: post #18

Thoughts on why this happened? I wish they were more forthcoming about the causes. This is the corporate equivalent of ghosting on your tinder date.

They ran out of money or realized that they would.

Of course -- but they didn't plan to run out of money. So what didn't go according to plan?

Re: A Final Farewell

#67

Post by Aloha »

noncoml wrote: post #52

I feel kind of guilty since I rarely used my card. The points I would usually get from my other cards were better. Also for online transactions, which was supposed to be the strong point of Final, I never use my card on unreputable sites. But even if I did, disputing transactions is so easy these days. Sorry that you didn’t make it folks. Good luck in your future adventures.

Yup.

Came here to say this.

Amex has a more compelling offering (and a better website), Discover offers better rewards, same with pretty much every card I have.

Re: A Final Farewell

#68

Post by astura »

lewisl9029 wrote: post #61
tejasm wrote: post #11

Earlier quoted context omitted.

Early Final adopter here. I liked the product but wasn't able to differentiate between Final and other VCCs. Bank of America and Citibank offer virtual credit card creation which is very close to what Final does. Their UI is very clunky but does the trick without worrying about the liability part.

That's good to know. I've been eyeing the Citi Doublecash for the longest time, but being rather new to the US, I haven't built up a long enough credit history for them to accept my application (I was rejected the last time I applied). Hopefully the service will still be there when I finally get my hands on that card.

Get a secured card and you'll be eligible for a Double Cash in no time. A secured card is for people with little to no history, its a credit card where you have to put up some collateral, a deposit account usually equal to the credit limit. Many cards just automatically convert to non-secured card after a while of good account history.

I've heard good things about Discover IT Secured https://www.discover.com/credit-cards/secured/ no fees, has rewards, and it automatically converts to a non secured version quickly.

Oh yeah, Citibank's website absolutely sucks. Very buggy.

Re: A Final Farewell

#70

Post by [deleted] »

kyledrake wrote: post #46

This really, really sucks. I have a business credit card that I have to update 20+ sites for every time there's a compromised card issue, and I'd really love to be able to use one card # for each business I work with. They were going to launch a business card in the future but apparently that is now scrapped. Are there any alternatives out there for doing this?

[deleted]
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