Which issuers allow you to use your mobile wallet when your card is locked?

[crystal626]

I just spent another 30 minutes on a call getting a card replaced for fraud and I'm kind of tired of it. I want to just lock my cards all the time and use mobile wallet or take 30 seconds to unlock them at a store. I am looking for ideas of who allows this. I know that Chase does but I don't know who else. I've got all the usual suspects - Chase, BoA, AMEX, Citi, Discover, Capital One, NFCU, PenFed, US Bank, Wells Fargo, etc., and I'm gravitating towards getting rid of cards that don't support this to have less hassle in my life.

[Varsity_Lu]

Capital One lets you create virtual numbers. You could make one for a digital wallet and then lock your physical card. I create a different virtual card for any store that I have an online account with and that stores my card numbers for future use. I keep them all locked unless I am shopping on their site. Works like a charm.

[crystal626]

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@Varsity_Lu wrote:

Capital One lets you create virtual numbers. You could make one for a digital wallet and then lock your physical card. I create a different virtual card for any store that I have an online account with and that stores my card numbers for future use. I keep them all locked unless I am shopping on their site. Works like a charm.

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Are you sure that you can lock your physical card and still use virtual cards? I could have sworn Capital One locks virtual cards too when the physical card is locked.

[Varsity_Lu]

@crystal626 

I guess you are right. I never new that since I never lock my physical card, just my virtual ones. But, it would still solve your problem. If your virtual card gets compromised, you can just create a new one. Basically just don't use your physical card.

[crystal626]

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@Varsity_Lu wrote:

@crystal626 

I guess you are right. I never new that since I never lock my physical card, just my virtual ones. But, it would still solve your problem. If your virtual card gets compromised, you can just create a new one. Basically just don't use your physical card.

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The thing is, the cards that are getting compromised aren't being used at all. Like my Navy Federal Platinum was in my safe BOTH times it got compromised and it's only ever been on my Amazon account otherwise. I'm tired of this happening despite my best efforts to not put my cards at risk and I just don't want to deal with it anymore so I want to lock everything and just use my mobile wallet or unlock as needed (with a huge preference to the former).

[Varsity_Lu]

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@crystal626 wrote:

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@Varsity_Lu wrote:

@crystal626 

I guess you are right. I never new that since I never lock my physical card, just my virtual ones. But, it would still solve your problem. If your virtual card gets compromised, you can just create a new one. Basically just don't use your physical card.

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The thing is, the cards that are getting compromised aren't being used at all. Like my Navy Federal Platinum was in my safe BOTH times it got compromised and it's only ever been on my Amazon account otherwise. I'm tired of this happening despite my best efforts to not put my cards at risk and I just don't want to deal with it anymore so I want to lock everything and just use my mobile wallet or unlock as needed (with a huge preference to the former).

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Sounds like you have a bigger problem than what just locking a card would solve. How the heck could a card get compromised if it's not being used and is in a safe? You should solve that problem first.

[dfwxjer]

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@Varsity_Lu wrote:

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@crystal626 wrote:

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@Varsity_Lu wrote:

@crystal626 

I guess you are right. I never new that since I never lock my physical card, just my virtual ones. But, it would still solve your problem. If your virtual card gets compromised, you can just create a new one. Basically just don't use your physical card.

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The thing is, the cards that are getting compromised aren't being used at all. Like my Navy Federal Platinum was in my safe BOTH times it got compromised and it's only ever been on my Amazon account otherwise. I'm tired of this happening despite my best efforts to not put my cards at risk and I just don't want to deal with it anymore so I want to lock everything and just use my mobile wallet or unlock as needed (with a huge preference to the former).

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Sounds like you have a bigger problem than what just locking a card would solve. How the heck could a card get compromised if it's not being used and is in a safe? You should solve that problem first.

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Agreed. 

Once you determine where the fraud is originating, you can certainly add most major issuers cards to your digital wallet. 

[crystal626]

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@Varsity_Lu wrote:

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@crystal626 wrote:

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@Varsity_Lu wrote:

@crystal626 

I guess you are right. I never new that since I never lock my physical card, just my virtual ones. But, it would still solve your problem. If your virtual card gets compromised, you can just create a new one. Basically just don't use your physical card.

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The thing is, the cards that are getting compromised aren't being used at all. Like my Navy Federal Platinum was in my safe BOTH times it got compromised and it's only ever been on my Amazon account otherwise. I'm tired of this happening despite my best efforts to not put my cards at risk and I just don't want to deal with it anymore so I want to lock everything and just use my mobile wallet or unlock as needed (with a huge preference to the former).

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Sounds like you have a bigger problem than what just locking a card would solve. How the heck could a card get compromised if it's not being used and is in a safe? You should solve that problem first.

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Look up BIN attacks. There is no safeguard for that kind of an attack. There are merchants that don't require the CVV so they just have to figure out your expiration date. Compromise one card and you can figure out that the expiration dates of the others nearby will likely be the same.

If you're trying to suggest it's someone I know who has access to my cards, I can assure you with 100% certainty that isn't the case. Like this one that got compromised was for The Children's Place website. My partner and I don't have kids, don't like kids, don't want kids, and would never buy anything for a kid as none of our friends or family have them either. We are the only ones that are ever in our bedroom where the safe is.

[Varsity_Lu]

@crystal626 

I'm not suggesting anything and I believe you when you say it's not a person with access to the safe. It just seems weird to me. I highly doubt Children's Place would allow a transaction to go through without a CVV. It seems like it would have to be an inside job rather than brute force bot attack. But I'm not an expert.

Would your issuer be able to give you a new card number? Wouldn't that solve this particular card problem? Are you having this problem on more than one card?

[TG101]

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@Varsity_Lu wrote:

Capital One lets you create virtual numbers. 

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Citi does too, and you're able to set spending limits on them and they can be set to expire as early as a month away.