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Signing up for on-line services is a good use for "virtual account numbers". This is a feature offered on some Citibank and Discover credit cards (maybe others) that allows you to generate a separate credit card number that's billed to your original account. The nice thing about them is that once a virtual account number has been billed by a vendor, it does not accept any charges in the future except from the same vendor. So if the account is compromised, the credit card number is useless to the person who steals it.


I've got an account with Bank of America and they have that feature as well.

Downside, none of their service reps even know it exists, even worse they are slowly phasing it out (making it more and more difficult to find) even-though it is a feature I absolutely love.


Could you point me in the direction of finding this feature? I always thought BofA did not have this and would like to use it while I can.


If you have a Bank of America credit card you will find ShopSafe under "Information and Services" tab when you click on the card in question.


The other downside is that it is Bank of America.


I wish other banks offered that functionality. I am not a fan of Citibank.


NetSpend is free and it doesn't cost to generate a Vitual Card. BTW, it works great for netflix....every month ;)


Get the Fidelity Amex from FIA (aka BofA). It's one of the few genuine 2% cashback cards, has no annual fee, no forex fees iirc, and lets you create "ShopSafe" numbers.


It has a forex fee, just called about it before a trip. Something like 2.5 or 3.5%; my CapitalOne card didn't so I just used that instead.

Haven't found the ShopSafe numbers yet; I'm going to look for that now that you mentioned it.

Overall great card to have, because besides the 2% back on all purchases (if you deposit the money to a qualified Fidelity account) it has a bunch of the perks like rental car coverage, theft insurance on recent purchases, and doubled warranty, up to 1 year.


Are you sure it is the amex card that supports shopsafe? I thought Amex discontinued their similar product _years_ ago.


It's not an Amex issued by American Express, it's a card issued by Bank of America that is processed on the Amex network.


Interesting. Thanks for the info.




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