STOP Using Your Real Credit Card Number! (5 alternatives)

Masking your credit card info as you make purchases is easier than you think. There are a number of great virtual credit card companies out there, but it's important to understand the differences so you can use what makes sense for you.

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Video Timestamps
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0:00 - Protect Your Financial Data with Virtual Credit Cards
0:37 - What is KYC (Know Your Customer)
2:30 - Klutch Virtual Credit Cards
3:19 - IronVest Privacy App
4:15 - Revolut International Virtual Cards
4:54 - Moon Cryptocurrency Virtual Prepaid Cards
5:28 - Apple Pay and PayPal options
6:19 - Your Bank may already offer Virtual cards
7:00 - FAQ: Do Virtual Cards affect credit scores?
7:19 - FAQ: Do Virtual Cards offer miles/points?
7:33 - FAQ: Can Virtual Cards accept returns?
8:01 - FAQ: Are virtual credit cards safe?
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Virtual credit cards and virtual debit cards are one of the easiest and best ways to start masking your financial data as you make purchases both online and in person. But which services require KYC verification? Which virtual card companies are US-only? What about spending controls?

#cybersecuritytools #financialsecurity #creditcards

[AllThingsSecured]

Does KYC matter to you? Do you prefer virtual credit or virtual debit cards? I'm curious to hear your thoughts in the comments below.

[stratvar]

Well it looks like for us who are not US residents, there are not many options. It is basically either Revolut or our local banks if they issue virtual cards (they do in my country). For fellow EU residents, N26 (a German online bank) is also one other option. I also want to add that Google Pay (or Google Wallet) does the exact same thing as Apple Pay and you could have mentioned it too in that segment of the video.

[kamsable]

Thank you, Josh! Great content, as always! Do Klutch make a hard pull on you when you apply?

[jdsnowwit]

So which service would be best for virtual cards that link to my primary real credit card? Not debit or bank checking account?

[Josh-pyrq]

Ironvest is the shit loveeee it used blur forever

[oscs]

what works in Australia without linking bank details ?

[slsos]

Where can we find a similar services in UK

[EmmaGoodwinGeek]

I cringed when you said you could restrict your wife's use of a credit card.

[chuchinboots]

I was introduced to privacy virtual cards thanks to your videos.
The biggest issue I came across was just recently, and it has to do with returning online orders in-store.
Some stores only do in-store returns and require the physical card present in order to process the refund, so if you made a purchase with a virtual card, you're probably stuck.

[Bill_Sawyer]

Thanks for the information. For me the privacy virtual cards works best for me. 👍🏿

[daveallen]

I'm a very nervous kind of guy when it comes to this stuff to be really honest. I watched this video months ago and I'm back because I feel like I need something like this mainly because of online subscriptions. I'm going to watch to the end because I'm old and my memory isn't the best. LOL My main concern is giving another company my banking information which is I assume this works. If you have any words to put my mind at easy, I am all ears. Thanks for all you do, I genuinely appreciate it.

[shotelco]

This video has been very helpful as I am considering a updated budgeting strategy that includes adding the security step of a virtual card. In my research, I must correct you when, @2:10, you state "...you can not use Privacy on a mobile wallet..." perhaps Apple Pay or/and Samsung pay, but there are more than these two mobile pay alternatives. Privacy supports Garmin Pay (or Garmin Pay supports Privacy).

[peaceofcake]

You keep saying "virtual credit card" in these videos, but only Klutch is a virtual credit card. The rest are virtual debit cards. Don't use debit cards. Debit cards don't have the same legal protections as credit cards. A debit card tied to your bank account can quickly empty your bank account. A pre-paid debit card is better, but you can still lose everything you put on the card.

Klutch charges $6 per card. $6 x unlimited = a lot of money.

[RosarioNenita-dg]

Is there any bank that works like Cogni

What I really mean is a bank that can allow its user to generate multiple virtual debit in a day ?

Kindly give me a name

So far I know about found bank too it has such features

But I’m asking if another bank that’s has the feature of generating virtual card anytime it user needs it thank you

[joecool]

just opened this week a revolut account and the don't need a connect to your credit card or bank account ... it is a prepaid card. It's only what you put on it.

[apricot_mango]

It's not as they make it seems. It's basically a credit account with multiple virtual cards. When a company advertise this, and you find out it's not that, it is as close to being a scam as it can be.

[halogenguy]

When you cancelled that card that was stolen and got a new one, did it affect your credit store given that one component of the score is the length of credit history?

[jgn]

Apple pay? PayPal? I find it hard to believe that either of these are acceptable from a privacy purposes. PayPal reserves the right to fine your account if you use them to buy something they disapprove of (hAtE!!).
The virtual card thing does intrigue me, but under no circumstance will I ever use Apple pay, PayPal, or google pay for that matter.

[briandonegan]

Is there a legit way to give scammers a bogus credit card number so they get caught for fraud?

[deeyadeli]

DO NOT link your bank account to any service where if hacked money can be drained from your bank. I learned this the hard way when i was attacked via sim swapping. Once they had control of the hacked service, they started pulling money out of my bank.