@Anonymous wrote:
@sammydavidjr wrote:The part of this card that I like is the virtual credit card numbers: if executed like privacy.com, this can be a good tool to manage subscriptions most effectively.
Capital One and Citi both offer the ability to generate unique ones.
Of course, but the way they've designed the experience is not great: all they had in mind when they created the tool was security. Privacy.com has come up with a much more streamlined and flexible solution -- one designed specifically to manage recurring payments as well as one off ones. If these X1 folks are designing something similar to privacy.com, they will have a much better product than Citi or CapitalOne.
@pinkandgrey wrote:The website is attractive, but all I could think of was Blispay lol
If it sounds too good to be true....
it probably is
@pinkandgrey wrote:The website is attractive, but all I could think of was Blispay lol
If it sounds too good to be true....
hey, I'm still hoping somehow some other bank take it over and make it active again 😇
I didn't notice a specific value per point. Could be 1c, but best to verify before extending assumptions.
Apple Card advertises as percent back.
The X1 card seems to have several features to try to implement "incognito". I'm skeptical how that actually works on most websites. Do we only buy things on websites anymore?
What if I need something delivered to my home address? Can I maintain incognito then?
Hmmm. So I jumped on the waitlist for the fun of it. I wanted see what would show up in the email.
So a couple of interesting points to share:
- I was waitlist #1,503 (they tell you your position in line) so not a huge sign up yet.
- No web presence
- Contact info was a text number and FB Messenger
As previously stated this is likely a start-up. Why ? Because at the bottom of the email I received was the standard copyright notice with an address(below) Googling that address will find a street view picture that might not fit with your notions of premium credit card issuer albeit rather eclectic. Google Street View
I any case, I am sure I will enjoy the spam list I just joined...bring on the emails from the multitudes of rich foreign dignitaries who just need a little help getting their millions out of the country. 
@Life_take2 wrote:
As previously stated this is likely a start-up. Why ? Because at the bottom of the email I received was the standard copyright notice with an address(below) Googling that address will find a street view picture that might not fit with your notions of premium credit card issuer albeit rather eclectic. Google Street View
Oh, I don't know. Someone has obviously spend some real money on that nice big "276" sign!
@Anonymous wrote:
@sammydavidjr wrote:
@Anonymous wrote:
@sammydavidjr wrote:The part of this card that I like is the virtual credit card numbers: if executed like privacy.com, this can be a good tool to manage subscriptions most effectively.
Capital One and Citi both offer the ability to generate unique ones.
Of course, but the way they've designed the experience is not great: all they had in mind when they created the tool was security. Privacy.com has come up with a much more streamlined and flexible solution -- one designed specifically to manage recurring payments as well as one off ones. If these X1 folks are designing something similar to privacy.com, they will have a much better product than Citi or CapitalOne.
I have never had an issue with Capital One's implementation other than needing access to a browser to create a VCC. I can turn them on and off in the app so it works perfectly fine for me.
Citi is a bit more of a hassle...
Regardless, I already have VCC options so I have no need to open a new card for them and I certainly wouldn't recommend some new offering over what I already know to be great. How do people even deal with the lack of customer service from these new startups? I can get Capital One on the phone at 3AM if I want. Most of these startups are email or chat only.
I didn't say that X1 is better than Capital One, or that I recommend the product: I simply said that a well executed feature of that kind could be a solid differentiator.
Regarding startups in general: I don't discriminate against them. I find that the incentives they often provide to entice consumers are excellent.
- I was an early adopter of Uber and Lyft because they were convenient and much cheaper than a regular taxi: thank you to all the venture capital firms that poored billions into those companies to support their expansion while they burned cash to provide cheap rides.
- Companies like BlockFi and Nexo are great savings alternatives: you convert your dollars into stablecoins and earn >8% annual interest rates. Those companies lose money for now, but they use their VC funding to entice adoption.
Things like those don't last, but it's OK: as a consumer it's not bad to get freebies financed by VC's.