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A comment on Ask HN: What tech were you convinced would take the world by storm but didn't?. Parent comment

Re:Ask HN: What tech were you convinced would take the world... by jklein11 on Monday November 20, 2017 @09:35AM (#15740088)
Right, but this problem seems solvable by having multiple credit cards. I would only make an online purchase with a credit card, never a debit card. If there is a charge that I didn't authorize, I can just click a dispute button on my credit card's web app and never have to think about it again.
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Re:Ask HN: What tech were you convinced would take the world... by phillias on Sunday December 03, 2017 @10:17AM (#15837903)
The critical feature is you can specify a credit limit and expiry period for each virtual number. By keeping the credit limit at a bit above the purchase amount you dont' have to worry about losing a bunch of money if the number is abused, and by keeping the expiry at 2 months (12 months max) you avoid any abuse channels that would take more than 2 months to transact on the dark market.

edit: And of course you have the credit card company on your side to assist with fraud awareness and refunds. You won't get this with Paypal, Android/Apple pay, and especially not with any blockchain technologies where there is no intermediary working on your behalf.

I keep a Citi mastercard just for the Virtual Account Number feature and use it every time for online and phone purchases. The BofA feature has some severe issues.

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