Virtual Card Numbers

[Anonymous]

Does anyone use virtual card numbers online?

Which credit card companies have that option?

Please share you experiences with them.

[Anonymous]

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@Anonymous wrote:

Does anyone use virtual card numbers online?

Which credit card companies have that option?

Please share you experiences with them.

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Capital One and Citi both offer them.   Here are two articles, one for and one against from the same source

https://www.mybanktracker.com/credit-cards/faq/virtual-account-numbers-what-you-need-know-258440

https://www.mybanktracker.com/credit-cards/faq/why-virtual-credit-card-numbers-not-worth-it-167574

[jcooks]

Capital One is one that I can think of that you can make a VCC.  You can also use Privacy.com.  You link a bank account and you can create/destroy any time, set limit per VCC per transactions and lock a specific card to a vendor, etc.  I used to use it when I was botting for sneaker releases and it worked out well until retailers caught on to it.

[RickNATL]

I've used them from Cap1 and Citi.  No concerns to date.  What in particular do you want to know?

[Anonymous]

That is it: no problems. 

Thanks!

[Loquat]

I use VCN with Citi all the time. Especially for things that I know I will have to go back to months later to cancel or else the auto billing kicks in.

Currently I'm on a promo offer for WSJ. I don't want to pay the normal rate at the end of my promo period so I use a VCN and set it for a specific amount and expiration so if I forget to cancel, the card will decline anywhere when they go to charge.

[Shooting-For-800]

I use Cap One for iffy purchases and it works great as a chrome browser extension.

GL!

[Anonymous]

I haven't run into issues yet but I have read that Capital One doesn't make it easy for a rep to figure out which card a charge was made on and Capital One doesn't show it on your statement or online either so if you have fraud on any of them, you'll either have to play the escalation game to find a rep who can tell you which card the fraud was on or you'll have to dump all of your VCCs when you order the new card. Not ideal if you have a lot of them but Capital One has been testing locking them to the first merchant they're used on so if you have that feature on your account it can only be used on that site and shouldn't be an issue.

I haven't used them on my Rewards+ and Apple Card's VCC feature only lets you have one at a time so I just purge the number every time I use it online and that hasn't posed any problems for me. 

[Anonymous]

I guess we should add Paypal key as a sort of virtual card number.   You can create and replace it as often as you need, and it can be linked to almost any non-paypal-family credit card.

[blindambition]

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@Anonymous wrote:

I haven't run into issues yet but I have read that Capital One doesn't make it easy for a rep to figure out which card a charge was made on and Capital One doesn't show it on your statement or online either so if you have fraud on any of them, you'll either have to play the escalation game to find a rep who can tell you which card the fraud was on or you'll have to dump all of your VCCs when you order the new card. Not ideal if you have a lot of them but Capital One has been testing locking them to the first merchant they're used on so if you have that feature on your account it can only be used on that site and shouldn't be an issue.

I haven't used them on my Rewards+ and Apple Card's VCC feature only lets you have one at a time so I just purge the number every time I use it online and that hasn't posed any problems for me. 

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I'm not sure that's an issue anymore. In the iOS app, I now have option to copy actual card number, or create VCC. That's on both SO and QS.

Then there's now a Your VCC tab under Credit Wise. Shows all numbers in use, which can be named. Along with picker that flips to my different cards they belong with. Each VCC is used once with one vendor, it can be used on a subscription. Those two things clearly stated.