@UncleB wrote:
@TG101 wrote:
@crystal626 wrote:
@TG101 wrote:
@Varsity_Lu wrote:Capital One lets you create virtual numbers.
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.
Citi VCCs are locked when the card is locked and again don't address the main point of wanting to prevent fraud on the actual card.
If a new card is going straight from your mailbox to your safe then either it is being obtained internally though your bank or your mail carrier is somehow opening your mail, making a copy, and resealing the envelope.
Not necessarily; as mentioned up-thread BIN attacks are a very real thing. The WF/Bilt BIN attack is a well-known example.
https://thepointsguy.com/credit-cards/bin-attack-credit-card/
I find it interesting that in my lifetime credit/debit cards still have not increased beyond having 16 numbers OR switching to hexadecimal format (which might be easier than increasing the number of digits).
@crystal626 wrote: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.
So far, I have as of yet found a card I couldn't add to my Google wallet. The only limitation seems to be that Google has capped how many cards you can have in your wallet at any one time, even though I cannot find any documentation stating that. I'm going from experience in trying to add cards and it not going through, but if I delete a card from my wallet that I rarely use, I can add a new card in.
I have 20 of my cards currently in my Google wallet, which seems to be the limit. Most cards can be added easily, but there have been a couple where I had to call the issuer (BECU and my Petco card), but the rest were easy to add in. And not one card (so far) didn't allow me to add it to my wallet.
@MileHigh96 wrote:
@crystal626 wrote: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.
So far, I have as of yet found a card I couldn't add to my Google wallet. The only limitation seems to be that Google has capped how many cards you can have in your wallet at any one time, even though I cannot find any documentation stating that. I'm going from experience in trying to add cards and it not going through, but if I delete a card from my wallet that I rarely use, I can add a new card in.
I have 20 of my cards currently in my Google wallet, which seems to be the limit. Most cards can be added easily, but there have been a couple where I had to call the issuer (BECU and my Petco card), but the rest were easy to add in. And not one card (so far) didn't allow me to add it to my wallet.
It's not just the act of adding them to the wallet, as just about every card should support that by now, it's being able to lock the physical card and still use the token in your wallet that I'm curious about. Chase allows this. I don't know who else does.
From the Chase website:
I've personally tested this. If my physical Chase card is locked I can still use it with mobile wallet and even PayPal keeps working. It's extremely convenient and even if you report the physical card lost or stolen, your mobile wallet keeps working while you wait for your new card too.
I don't know why more banks don't do this.
Found another one. FNBO! I went to the grocery store today and while walking around I remembered I needed to test the Evergreen but as soon as I went to lock it, it straight up told me I was good to go.
I locked the card and tapped my Apple Pay and the purchase went right through.
This just saved the Evergreen from sockdrawer status after I hit the SUB and I'm honestly shocked that FNBO of all banks supports this considering that their mobile app is about as dated as DCU's.
