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

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Күн бұрын

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.
▶ Try Privacy.com: www.privacy.com
▶ Apply for Klutch: app.klutchcard.com/r/SECURED (get $20 credit using referral code "SECURED")
▶ Try Ironvest (use code ATS2023 for 25% off annual plan): www.allthingssecured.com/try/...
▶ Try Revolut: www.allthingssecured.com/yt/r...
▶ Moon (crypto): paywithmoon.com/
If you care about your personal security and privacy online, download my free security checklist here:
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🔹🔹🔹What You Should Watch Next🔹🔹🔹
We've got a lot of great privacy- and security-related content here on the All Things Secured KZfaq channel (although we admit we're a bit biased). If you're wanting to increase your online cybersecurity, here's what's next:
✅ Change these 7 Facebook Privacy Settings NOW! • How to Change Your Fac...
✅ STOP Using VPNs! (here's why): • Don't Use a VPN...it's...
✅ Are spy apps safe? • DON'T USE MOBILE SPY A...
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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)
1:40 - Privacy.com Virtual Cards
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?
*********************
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

Пікірлер: 155

@AllThingsSecured Жыл бұрын

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.

@rjain1993 Жыл бұрын

👍🏻 KYC - Depends on bank , sometimes yes sometimes no Virtual Card - No (none are available in country mentioned in the video , yet)

@Scott-sm9nm Жыл бұрын

As I recall, I used Discover generated card numbers for quite a while and they they stopped that features (10-15 years ago). I think their rational was that their fraud detection was good enough. Now-a-days, I will use Google pay or Amazon pay if it is available since this is like an indirect/virtual_card. My rational is these large companies would take security extremely serious. If we pay online and don't have other options then we use our regular CC but do NOT check the option to save the card for future ease-of-use. If they don't have that option then as soon as the order goes thru then we go to that site and delete the CC from our account.

@rjain1993 Жыл бұрын

@@Scott-sm9nm thats great idea too even i do remove cards after payment but i use physical debit card with 0 balance and load money in it from another bank when needed almost exact amount (RFID , OD protection too)

@sandritaojedavioleta1033 4 ай бұрын

LatinAmerica?

@chuchinboots Жыл бұрын

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.

@stratvar Жыл бұрын

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.

@AllThingsSecured Жыл бұрын

Thanks so much for sharing! I wonder how much GDPR plays a role in that limited selection?

@ikust007 Жыл бұрын

Question : can we use Apple Pay on desktop ? Or let’s say I am on my iPhone and want to buy something with credit card . Can I use ApplePay ? At least I have only one leak possible … Thank you !

@stratvar Жыл бұрын

@@ikust007 I don't know about Apple Pay because i don't own an iphone, but i have personally used Google Pay to buy from desktop. I assume that you can do the same with Apple Pay.

@stratvar Жыл бұрын

@@AllThingsSecured I think that GDPR might play some role but maybe it's also because of taxation laws complications between countries and other legal issues, extra fees that might be required for those companies to be able to operate in other countries, etc. Of course i am not an expert on fincances so i don't really know, i just speculate.

@koreyb Жыл бұрын

Yes. Thanks for mentioning Google Pay. A lot of us don't have any Apple products and never use Apple Pay for anything. But we do have Google.

@daveallen63 8 ай бұрын

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.

@Bill_Sawyer Жыл бұрын

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

@AllThingsSecured Жыл бұрын

Good to hear, Bill.

@Elemblue2 Жыл бұрын

This was all the information I cared about delivered expertly. Thank you for your review.

@shotelco Жыл бұрын

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).

@AllThingsSecured Жыл бұрын

Hmm…I’ve never even heard of Garmin Pay, so thanks for sharing.

@deeyadeli1435 Ай бұрын

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.

@joecool300568 Жыл бұрын

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.

@AllThingsSecured Жыл бұрын

Ok cool. Thanks.

@apricot_mango 3 ай бұрын

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.

@briandonegan8480 Жыл бұрын

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

@bretebey 6 ай бұрын

What would you recommend for making fuel pump purchases?

@kamsable Жыл бұрын

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

@AllThingsSecured Жыл бұрын

Only after you’ve been pre-approved do they make a hard pull is my understanding.

@mitchellquartero Жыл бұрын

I used privacy since last year

@AllThingsSecured Жыл бұрын

Great!

@abcdxyz3255 9 ай бұрын

netflix, youtube any many more gives errors while registering

@subbannar7319 Ай бұрын

Why don't they introduce otp system where in the banks send one time passcode to the customer to his mobile phone. That is a good security measure. In India it is mandatory.

@BigMoney23223 8 ай бұрын

They really need to update to use it with Apple pay

@the-eye-is-watching Жыл бұрын

As an expat living in the Philippines the options are very limited and a challenge to find banking and brokerage services.

@AllThingsSecured Жыл бұрын

Expat from where? That makes a difference.

@the-eye-is-watching Жыл бұрын

@@AllThingsSecured USA I was able to sign up with SDFCU and Interactive brokers after both Schwab and Fidelity both restricted my long time accounts to selling my positions only, no deposits and debit card cancelled.

@TechieGrl 9 ай бұрын

What about Canada no mention huh!

@vcxb-iu7go 9 ай бұрын

how to add the virtual credit card if i dont have a credit card?

@christiancarley126 Жыл бұрын

Hi Josh, I'm brand new to the channel and to security in general. I love your content so far! I apologize if I missed you answering this but, if a virtual card gets hacked and has bogus charges, do we still get reimbursement? My cards have been hacked a lot recently, so I'm interested in this option, but I also have the reassurance that my bank will most likely refund any fraudulent charges that went through. Thanks!

@AllThingsSecured Жыл бұрын

Welcome, Christian! So no, you won’t get reimbursed since they will technically be debit charges on your account (in most cases). However, there are two advantages here: 1) a card cannot be charged for more than your limit. 2) a card cannot be used for a different merchant So the odds of somebody stealing your Netflix card to spend no more than $20 *also on Netflix* is pretty low.

@christiancarley126 Жыл бұрын

@@AllThingsSecured Great points, thanks Josh!

@Htimez2 5 ай бұрын

I tried to create Klutch card, but it says it services are not available in my state. A live in the united states.

@txgho634 Жыл бұрын

With fraud on your card did you get the merchant to confirm the shipping address? Seems in past experience they shield fraudsters addresses. All I ever got was the gopro shopping spree went to Southern California.

@AllThingsSecured Жыл бұрын

No, never got any additional info.

@mokhadra9289 10 ай бұрын

Thank you so much for this video ... I have 60+ employees and want to create credit card for them ... I tried privacy , the problem with it is that the generated credit card doesn't have Name on the card .. how they can do an online purchase without first & last name on the card ? any suggestions ?

@IvanaKill. Ай бұрын

I like your channel and all of this information, but it is soooooooooo frustrating that all of these things are US based only. Is there anyway you can make information on all of these things like vitrual credit cards, fake phone numbers, fake emails that are based in Australia or outside of the US?

@Prince1911_ 7 ай бұрын

Man I’m just trying to get out my LA fitness membership. They keep charging me and making it impossible to cancel my membership 🤦🏿‍♂️🤦🏿‍♂️

@AllThingsSecured 7 ай бұрын

Yea, that's one excellent reason to use virtual credit cards.

@Prince1911_ 7 ай бұрын

@@AllThingsSecured question. I saw a video by Louis rossman where he said he did the privacy vcc and ended up having to deal with the credit bureau.. any words on that?

@lyrikalinyoswiminpoo 2 ай бұрын

Are you able to use “fictitious names” on the cards you create?

@halogenguy Жыл бұрын

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?

@shubinternet Жыл бұрын

Usually the credit card company just issues you a new card with a new number, but the underlying account is not impacted. But hoo boy, is it a pain to change all those other places where you've given them that credit card number. Just knowing who all those services are is a pain to find out.

@AllThingsSecured Жыл бұрын

No impact on my credit since the account wasn’t closed, I was simply issued a new card.

@SFFalcon Жыл бұрын

I was pretty excited about Klutch but it isn’t as option for people in Kentucky. Frustrating

@AllThingsSecured Жыл бұрын

seriously?! That’s weird.

@daveallen63 8 ай бұрын

Okay I'm 4 minutes in and I remember why I haven't done this. :) The KYC I get it, but I'm just not eager at my age to create a potential leak in my retirement funds. Maybe I'm wrong, but I'm a rather be safe than sorry kind of guy. I think I'm just going to create another account at my bank I can control via transfers as needed. In all seriousness if there is a reason this isn't a good idea I'm all ears. Thanks.

@harag9 Жыл бұрын

How about not doing any of that, draw cash out of the ATM say 50 a month, and pay by cash... 1. limited your self to how much you spend. 2 government can't track what or where you spend 3. shops can't steal your details.

@dp1275 Жыл бұрын

I already have apple phone, computer and soon ipad. Apple already has info on me and they,ve earned some my trust.i ve been using credit cards ,on trusted sights ie amazon. So i m thinking that apple pay sounds like best choice for my situation. Do u agree? Does anyone agree?

@user-uf9fv8mz3k Жыл бұрын

What do you mean when you say, "US residents only?" If I provide a virtual credit card number to someone outside the US to purchase something, would they be able to?

@AllThingsSecured Жыл бұрын

Yes, you can pay anywhere, but only US residents can apply to use the cards.

@notreallyme425 Жыл бұрын

I have seen major US banks offer virtual credit card numbers that work with an existing credit account with that bank. For some reason they stopped offering these, and it makes me wonder why? There must be more value for them in us not having that freedom. Limiting who, and how much and how often a vendor can charge against a virtual credit card probably results in less collected fees and smaller credit card balances, which ultimately cut into the banks profits. Just my theory.

@shubinternet Жыл бұрын

Yeah, Bank of America stopped offering virtual credit cards. That's why I switched.

@shespelt Жыл бұрын

I obtained a Discover card years ago (2015?) because they offered a pretty good VCC product - for both 1 time only usage & single merchant recurring charges. Worked great, easy to use. And after a couple of years, Discover discontinued. I spoke to a product manager who said it was because it was cheaper for Discover to offer the zero-Risk that customers could get bogus charges dropped than to provide the VCC platform. But as I pointed out, zero-Risk does nothing to stop fraud. It literally just passes the cost to the CC finance charges incurred by many customers every month. VCC is pro-active prevention while programs like zero-Risk are reactive & band-aids at best. And we have to trust the zero-Risk programs work 'well' every time. I love the VCC concept - no longer do I depend on merchants guarding my sensitive information like CC data. If a VCC is stolen, (let's say some Merchant doesn't encrypt that data...), so what? it can't be processed again. No more card# theft-based fraud. Why wouldn't banks, card issuers want this? As long as they don't actually eat the cost of fraud, they don't care. CC users, merchants pay as we have since day 1 through finance charges & transactions fees.

@AllThingsSecured Жыл бұрын

It costs them money to offer the virtual number and my guess is not many people used them like they thought.

@JeanPierreWhite Жыл бұрын

Of the ones left Capital One are the best. They seem to be promoting it too. It works great for me.

@sandinana9665 8 ай бұрын

Capital one still offers them

@shubinternet Жыл бұрын

@1:32 -- misspelling of "MINIMIZE YOUR RISK".

@AllThingsSecured Жыл бұрын

Thanks for the corrections.

@MetalordicA Жыл бұрын

Does Samsung Money (all in 1 bank card) have virtual credit cards just like Apple does W/ the Apple all in 1 bank card, cuz their both their biggest competitors?

@oscs4556 Жыл бұрын

what works in Australia without linking bank details ?

@AllThingsSecured Жыл бұрын

Hmm…I’m not sure about Australia.

@abbasadamunasiru4845 27 күн бұрын

Can i use them in play console, i want publish my app

@jdsnowwit Жыл бұрын

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

@AllThingsSecured Жыл бұрын

Sounds like you’re looking for a prepaid card like what IronVest offers.

@jippalippa Жыл бұрын

I personally use my bank, as it allows to create virtual credit cards.

@AllThingsSecured Жыл бұрын

Awesome. Not all banks do that.

@notreallyme425 Жыл бұрын

Which bank offers that?

@_Ultimate_kicks Жыл бұрын

What bank do you have?

@_Ultimate_kicks Жыл бұрын

@nolamar1 what banks offer VCC’s

@sandinana9665 8 ай бұрын

Capital One has virtual credit cards

@JBK647 Жыл бұрын

On screen graphic - 'Minimized You Risk'- Change 'You' to 'Your'.

@AllThingsSecured Жыл бұрын

Thanks

@sl7sos Жыл бұрын

Where can we find a similar services in UK

@AllThingsSecured Жыл бұрын

Revolut

@hamzabadii3575 7 ай бұрын

My friend all this option only for people in us what about people from north Africa and PayPal don't work here and the banks here we can't use theirs cards to pay something outside.... Please show me solution and for free like privacy site but for all people not only us and than after I make money maybe I pay to open account bank in Europe or America

@kierand9410 Жыл бұрын

What works in the UK?

@AllThingsSecured Жыл бұрын

Revolut.

@elisabethellis8851 3 ай бұрын

COME ON! MOKE APPS!

@jgn2112 Жыл бұрын

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.

@AllThingsSecured Жыл бұрын

Understandable. Everybody has to take into account their own threat model.

@mastervang2058 Жыл бұрын

Is there a virtual card that allows you to change the address to a different country like Argentina?

@AllThingsSecured Жыл бұрын

I think most cards are pretty geographically based.

@P29ZAD Жыл бұрын

I use Privacy, but would like to make a privacy card to take with me. I will be glad to buy cards and a card writer, but I can't figure how to get the data to put on the magnetic strip of the card.

@AllThingsSecured Жыл бұрын

Yea, that’s beyond my pay grade.

@bloxer9563 7 ай бұрын

@@AllThingsSecured that's an awful reply

@knox6382 2 ай бұрын

if u connect ur virtual card with tap to pay u could record the singal and write it to the nfc chip in a blank card with the writer so u could just tap to pay with the physical card aswell

@julianocc Жыл бұрын

When I use a virtual/disposable card with Revolut for example, is the service able to see where I made my payment with this card?

@AllThingsSecured Жыл бұрын

Which service? Revolut?

@julianocc Жыл бұрын

@@AllThingsSecured yes

@esmailalkassir1565 Жыл бұрын

Are our ICloud data on Google servers as Apple using google cloud storage ? Does Google has access to it if it is not encrypted?

@AllThingsSecured Жыл бұрын

What makes you say it’s on Google servers?

@Josh-py9rq Жыл бұрын

Ironvest is the shit loveeee it used blur forever

@cerdmw 5 ай бұрын

Do you have a recommendation for a US Small Business Owner hiring a remote personal assistant in the Philippines. I'm looking for a virtual debit card I can put up to $2500 on for various purchases without requiring a huge bank account like Ramp does ($75k minimum).

@ghillysniper45 Жыл бұрын

I use cash app as my in-between because of how much fraud is out there these days

@AllThingsSecured Жыл бұрын

Lots of fraud.

@volforlife Жыл бұрын

If I use a vertical card based off my real credit card, do I still get my Cashback that my credit card offers?

@nickquik Ай бұрын

I'd assume so cause your card still is charged.

@shubinternet Жыл бұрын

@0:34 -- misspelling of "VIRUAL CREDIT CARD FAQ".

@AllThingsSecured Жыл бұрын

Yea, my bad

@mikeretired10023 Жыл бұрын

Since I’m not responsible for any fraudulent charges on any of my cards, I’ll use my real cards. The amount of time spent managing a bunch of virtual cards is not worth it imo. If a bad charge hits my account, then I’ll deal with it. It’s a minor inconvenience at that time vs. lots of time maintaining virtual cards. That said, I do try to use Apple Pay first, then some virtual cards I’ll create from my bank (ex: cap one). But most of the time, I use the real cards. I have backup cards, so if one card gets breached, I have other cards to use.

@mikeretired10023 Жыл бұрын

Forgot to say thanks for the great content @all things secured

@AllThingsSecured Жыл бұрын

Yea, I get that. It’s not hard to “manage” these cards, though.

@macbitz Жыл бұрын

For me the 'minor inconvenience' was eight months of fighting with my bank when over £5,000 was fraudulently charged to my bank account. The stress and frustration was immense and affected more than just me, and it was only by involving the Financial Ombudsman that it got resolved. Compared to that, the small amount of effort to manage one or two virtual cards is a minor inconvenience 😉 Living in the UK, banks don't have your back sadly.

@JeanPierreWhite Жыл бұрын

You miss the point. If you have to change your "real" credit card number due to fraud or whatever you now have to visit many online merchants to change your online payments. While you are waiting for a new card to arrive you are in a position where all your online accounts like Amazon for instance can't charge purchases. It's a royal pain to change your CC number. One number per online merchant and now if anything bad happens you simply cancel the stolen card and you can issue yourself a new number immediately. I use Capital One for my Virtual Cards so it has the same $0 liability we have become accustomed to with cc protection laws. AN additional feature with Capital One is the virtual numbers are limited for use with one web domain only making them almost useless to a thief.

@et_phonehome_2822 Жыл бұрын

Can you do a video on opening a cryptocurrency account?

@AllThingsSecured Жыл бұрын

No, I leave that stuff to people who are more qualified than I.

@brunopilot561 Жыл бұрын

that nail polish on the intro does not go with that sweater my friend. :0😉

@AllThingsSecured Жыл бұрын

Haha! Those stock footage actors just don't know how to dress, do they?

@Fuxy22 Жыл бұрын

If its US only no matter how good it's useless to me...

@rjain1993 Жыл бұрын

👍🏻

@AllThingsSecured Жыл бұрын

🙏🙏

@EmmaGoodwinGeek Жыл бұрын

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

@AllThingsSecured Жыл бұрын

Ha! We run on a mutually agreed upon budget, so it wouldn’t be restricting “her card” as much as it would be restricting a card used for a specific line item.

@EmmaGoodwinGeek Жыл бұрын

@@AllThingsSecured Thanks for replying. Your videos are very informative and I've learned so much from you. I appreciate the time it takes to produce this content.

@stevemorris3544 Жыл бұрын

@@AllThingsSecured Emma's reply stuck me funny, western woman attitude sounds like. I keep my finances separate so no problem for me. I imagine your answer is accurate but Very tactful answer to Emma never the less. Smiles

@terry.chootiyaa Жыл бұрын

*This site why I use PayPal 😁👍*

@AllThingsSecured Жыл бұрын

Why do you mean?

@NebulaM57 Жыл бұрын

I have recently applied to Klutch. I have not yet used it because I'm not sure of the best way to pay it off. I chose Klutch because it's a regular credit card. But I failed learn that they want the same access to my accounts as the others in order to pay the bill. My initial, but incorrect assumption (and yes, I know what that means...) was that I'd have a bill to pay just like my regular credit card. But it appears they don't bill you. They want online access to your accounts. It seems they want the same access as all the others, (Privacy, IronVest, etc) ... Instant which is Direct Access to my bank account via Plaid, Manual which is Routing/Account# to my bank account or pay via Wire Transfer. I am still new at this but none of these options strike me as safe. I have looked on KZfaq but can' t seem to find a video on how to securely fund these services. Between Privacy, Klutch & IronVest, all of whom would really like my bank login creds, is there some kind of documentation or video out there that could guide someone on the best secure funding practices to these companies? I mean, the whole purpose behind virtual credit cards is security. But they all seem to want direct access to your bank which kinda defeats the purpose. I love the idea of virtual credit cards but I'm not yet comfortable giving these particular entities my bank info. Maybe I'm already doing this in other ways and just haven't connected the thoughts yet. But I would sure like some kind of info or best practices on the best way to fund these services. Can I ask what option(s) you used to pay your Klutch account and/or Privacy funding source and how you operate it for security? Giving a third party direct access to my BANK account just doesn't seem secure to me. Do you use a separate account some place that you preload or something along those lines? Do you maybe have a video on the best way to fund these virtual cards or how you go about funding them? Thank you !