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Happy Money Monday!

Today I’m bringing up a service I use all the time that is extremely useful for securing your wallet. Privacy.com gives you virtual debit cards that you can use for online purchases with custom restrictions, that pulls funds straight from your checking account. You can limit transactions to a single merchant, put spending limits, or even have single use cards that expire after the first transaction. This service essentially gives you burner virtual debit cards for online purchases.

Why is this useful? Why not use a credit card and get points or cashback? Well, sometimes it’s worth it to ensure that unexpected charges don’t come your way. Having your actual card on file with a random trial for a fitness supplement site or suspicious online purchase is risky. You are trusting them to securely hold your financial information. Every day, services encounter security leaks online for financial information. Sometimes, the charges are intentional fraud, such as surprise charges in small amounts, hoping that you the consumer don’t notice it. Worse, sometimes there are large transactions intending to drain your bank account balance and then, by the time you notice, it’s too late and the money is gone.

The last thing anyone wants to do is call their financial institution and try to get money back. With credit cards, there is a small delay, but with debit cards, one bad swipe or skimming incident can drain your whole account. There are some laws and regulations that require fraud investigations for financial institutions, but using Privacy.com mitigates a lot of these problems and lets you take control of your wallet.

So the next time you plan to drop a few dollars on a trial from an advertisement, or buy a product on a website that you don’t necessarily trust, try using a burner Privacy card.

Information on the Privacy.com referral link:
If you use the referral link to create a new account, you will receive $5 toward your first purchase, and can create up to 12 cards a month on the free tier.