novaflare
The Dragon Was Here
Premium
join:2002-01-24
Barberton, OH
| reply to sanfranciscian
Re: I want to have a virtual credit card
Bank debit card with visa logo and 2 bank accounts. One for online shoping only that has zero funds when your not shopping online and has only the exact ammount of purchases when you do.Use a bank with online banking (most have that) and has instant or near instant funds transfer (alittle hard to find). I my self use first merit and when i have a full time job instead of odd jobs ill open a secound account just for online purchases.This way you have a credit card with very low limits to zero and dont have to worry about it getting used for cc fraud.These debit cards work exactly like ccs but have no intrest charges and no credit line. So when used as a cc only the ammount of funds in the account can be used. It limits your online shoping risks to a point of where you dont need to be the least bit nervous.
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DSLR security chat at us.ausirc.net chanel #dslr_sec lets pack this channelopen source dns server for *nix and windows »powerdns.com |
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ninjaturtle1
join:2003-10-21
Fremont, CA | reply to sanfranciscian
»www.visabuxx.com/ |
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Random Person
@tx.charter
| reply to sanfranciscian
Visa sells gift cards that are like a prepaid credit card, and can be used anywhere that takes Visa. Most banks have them, but we usually buy ours at the mall office.
We bought one for my teenager and "recharge" it when she wants to do some online shopping. Great for gas allowances if you have a driving teen because they can use it to pay at the pump as well. |
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no__1__here
Premium
join:2003-10-13
Tomball, TX
| reply to B
Hmm. Well, I guess I said that because of my own personal view, which is not to say it isn't a big deal to everyone. Allow me to explain. 
Since I began using virutal numbers (I call them virtual, not one-time-use, but again that's just me) about three years ago I have always set a dollar limit. With a limit set it doesn't really matter to me if the number is a one-time-use or a one-merchant-use -- either way it is dollar limited to the order I am currently placing and thus can't be "exploited". Also, by default Citibank expires the number about one month after use.
That's why I said it isn't a big deal in my opinion.
BTW, I've actually had this system bite me in the backside. I ordered something that I ended up returning for a refund. By the time the RMA paperwork and shipping/etc was done the virtual number had expired! The merchant could not credit "my card"... I ended up with a store credit... Anyone have any experience with this type of deal? |
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B
Premium,MVM
join:2000-10-28
| reply to no__1__here
said by no__1__here  :Citibank's is the same (one merchant) but you can control that with time/$$$ limits. Not that big of a deal imho. Please explain your position -- how is it not a big deal that what consumers thought were "single use card numbers" can actually be billed indefinitely, and that even the very educated users of this forum were fooled?
In other words, it all but renders the whole point of controlling access to your creditline moot, since repeat-charges can be made to the same VC number as long as it's the same merchant. It would be nice to hear that was inaccurate. Anyone?
-- B
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In a realm outside causality and function |
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foxsteve
Premium
join:2001-12-28
Campbell, CA
1 edit | reply to sanfranciscian
I few years ago I asked my bank about similar credit card for the same reason and use it for on-line shopping - no problem.
BTW, other way - you can use PayPal service. |
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no__1__here
Premium
join:2003-10-13
Tomball, TX | reply to sanfranciscian
Citibank's is the same (one merchant) but you can control that with time/$$$ limits. Not that big of a deal imho. |
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ameridumb
@npgco.com | reply to sanfranciscian
I love it! People read the FAQ instead of the actual contract terms. |
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kpatz
MY HEAD A SPLODE
Premium
join:2003-06-13
Manchester, NH
| reply to B
Actually, MBNA's Shopsafe is a per-merchant setup too. But with the limit and expiration date, it's easy enough to limit what they can charge to the #.
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SMTP: Spam and Malware Transfer Protocol. Also used on rare occasion to transmit e-mail messages. |
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B
Premium,MVM
join:2000-10-28 | reply to gdio53
That's freakin' ridiculous. How perverse a definition of "Single-Use" can one create?
Glad I canceled Discover years ago...
-- B
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In a realm outside causality and function |
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gdio53
join:2000-07-30
Feeding Hills, MA
| reply to sanfranciscian
Also from their FAQs:
Q: Will Single-Use Card Numbers work with recurring purchases and split shipments?
A: Yes. Single-Use Card Numbers works for one or multiple purchases at a single online retailer. For example, Barnes & Noble.com can retain a Single-Use Card Numbers in your profile for future purchases. You can also use a Single-Use Card Number for recurring charges at an online retailer, such as your monthly Internet Service Provider fee.
»www2.discovercard.com/deskshop/f···ng.shtml
I was surprised to learn it wasn't what I thought!
Gary |
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Jason Levine
Premium
join:2001-07-13
USA
| reply to MISSCHIEVOUS
Really? That's news to me and I use it all the time.
According to their FAQ:
said by »https://www.discovercard.com/discover/da···ty.shtml :Q: Can Discover Card help me shop online securely? A: Yes. With Discover Deskshop® you can shop online with peace of mind. Discover Deskshop is a free online shopping tool. Discover Deskshop gives you: 1) Maximum security Generates a Single-Use Card NumberSM when you buy online—your actual Discover Card Account number will not travel the Internet 100% Fraud Protection—guaranteed buying protection and Internet security 2) Convenience Fills online checkout forms Access to your Discover Card Account with one click (Emphasis mine.)
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-Jason Levine
My Gallery | Jason's Toolbox | PCQandA.com | URateit.com |
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gdio53
join:2000-07-30
Feeding Hills, MA
| reply to MISSCHIEVOUS
said by MISSCHIEVOUS :said by gdio53 :Discover has one time/one use CC #'s. Gary WARNING about Discovercard's Virtual Card System: Unlike MBNA's Shopsafe (the best VC system out there imho), Discovercard's system is not a One-Time Use system, but rather, a One- Merchant system. In other words, it all but renders the whole point of controlling access to your creditline moot, since repeat-charges can be made to the same VC number as long as it's the same merchant. If you were, for example, thinking about setting up a VC to demo AOL with the express purpose of denying access beyond the first charge made, you'd be SOL with Discovercard. Your only remedy is to actually call CS and then you're likely to get a nasty attitude because you're taking their time. It astonished me the first time I realized this and I had perhaps the rudest CC rep I've ever dealt with argue that "the terms are clearly stated when you sign up for this" (not) if "you had just taken the time to read them." I demanded that she point to the page where this loophole, big enough to drive a hummer through, existed and (surprise surprise) "I can't take the time to do that right now but I know it's there if you look for it." Pathetic. Use Shopsafe. MC Wow, thanks. I was under the assumption that it was a 1 time #, not 1 merchant. I went looking through DiscoverCard.com for the information, and it does say it can be used at 1 merchant for repetitive purchases, such as monthly internet access charges, etc.
Gary |
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MISSCHIEVOUS
join:2005-10-02
El Sobrante, CA
| reply to gdio53
said by gdio53 :Discover has one time/one use CC #'s. Gary WARNING about Discovercard's Virtual Card System: Unlike MBNA's Shopsafe (the best VC system out there imho), Discovercard's system is not a One-Time Use system, but rather, a One-Merchant system. In other words, it all but renders the whole point of controlling access to your creditline moot, since repeat-charges can be made to the same VC number as long as it's the same merchant. If you were, for example, thinking about setting up a VC to demo AOL with the express purpose of denying access beyond the first charge made, you'd be SOL with Discovercard. Your only remedy is to actually call CS and then you're likely to get a nasty attitude because you're taking their time.
It astonished me the first time I realized this and I had perhaps the rudest CC rep I've ever dealt with argue that "the terms are clearly stated when you sign up for this" (not) if "you had just taken the time to read them."
I demanded that she point to the page where this loophole, big enough to drive a hummer through, existed and (surprise surprise) "I can't take the time to do that right now but I know it's there if you look for it."
Pathetic. Use Shopsafe.
MC |
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Insder
There never was a second I in my name
Premium
join:2005-04-27
Salem, MA | reply to no__1__here
On the Citibank website, I believe I can login and generate the number with an expire date/time. Though not 100% on that..
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The one, the only, the Insder. :: Verizon Online DSL (2793/719) and Deer Alpha Firefox! |
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no__1__here
Premium
join:2003-10-13
Tomball, TX
| reply to KoolMoe
Ah, this pic was from the installed app. I think the web page version is in fact 'crippled' or at least there weren't as many options on the web as in the app the last time I looked.
I'm not sure about controlling the transaction date/time. I've never tried to do that.
I will be the first to admit Citi could do a better job on a few things with their virtual numbers, but if you break down and install the app it is not that bad. |
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KoolMoe
Aw Man
Premium
join:2001-02-14
Annapolis, MD
clubs:
 ·Verizon FIOS
 ·Speakeasy
| reply to no__1__here
Hmmm, maybe I was thinking of something else limiting on Citibanks services then. I just switched from MBNA to Citi and was a bit underwhelmed by Citi's site compared to MBNA's.
The ability to set an expiration isn't a new thing?
Another thing I didn't like was not being able to specify when my online payment should be taken from the bank - previously it was the day after I completed the process. I think now, however, you can tell it when you want the transaction to occur...
KM |
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gdio53
join:2000-07-30
Feeding Hills, MA
| reply to sanfranciscian
Discover has one time/one use CC #'s. It installs a toolbar on IE, and can also be run from an executable; it will fill in all the blanks on an order form, and generate a random CC # for you. Unfortunately, it's not available for anything else yet, but it does provide security when purchasing online.
Gary |
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no__1__here
Premium
join:2003-10-13
Tomball, TX
1 edit | reply to KoolMoe
Not quite true. I use Citi virtual numbers all the time. You can set money & time limits. The default time is about one month, but you can choose to set the expiration to any month/year you wish.
EDIT: I stand corrected -- you can only go up to 12 months out. |
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Anav
Sarcastic Llama? Naw, Just Acerbic
Premium
join:2001-07-16
Dartmouth, NS
| reply to sanfranciscian
Just open up a new CC or bank account not associated with any other accounts, open up paypal and thats it. You can limit your CC to what you want, and you deposit money into your bank acccount and then upload it into your virual Paypal account, ready to pay for anything.
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Ain't nuthin but the blues! "Albert Collins". Leave your troubles at the door! "Pepe Peregil" De Sevilla. Just Don't Wifi without WPA, "Yul Brenner"LlamaWorks Equipment |
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