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I found this old question / answer that refer to the same problem: I used to generate a new virtual credit card number with BofA's ShopSafe service, set the credit limit / expiration date and I could be sure that the merchant couldn't charge more / later than those limits. This was a very, very useful service - naturally, BofA discontinued it (and called it "caring about my security").

Is this a trend in the industry? Are all the trustworthy issuers (read: large, well-known companies, like BofA) walking away from cards that provide this set of features?

Any suggestions on how to find this feature in a card?

  • My first thought was "oh dear, this may come off as a shopping/product reco question" and then I see the 4 close votes present. Yeah, it seems like it would be difficult to answer without naming off lists of products, which are off-topic here because they go stale so quickly. But if product recos are "giving a man a fish", maybe someone can write a "How to find" guide akin to "teaching a man to fish"... – Harper - Reinstate Monica Sep 30 at 18:10
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    @Harper I'd be fine either with a list of product names as answers or a way to identify them. I'm not sure how to phrase the question better - I'm not looking for product endorsements but virtual credit cards are (were) a thing and they're tied to issuers. I'm not sure it's even possible to tak about them without naming those issuers. – xxbbcc Sep 30 at 18:12
  • But a list of product names would be off-topic here, hence the close votes. I took the liberty of editing, to pivot your question into one that should be simpatico, which hopefully should quell any more closes and get you some insight. If you hate it, you can roll it back. – Harper - Reinstate Monica Sep 30 at 18:20
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    @Harper no problem, thank you. I don't see close votes on this SE site yet (low rep) so I didn't realize there were any. Anyway, I like your edit, appreciate it. – xxbbcc Sep 30 at 18:37
  • I suspect merchants are crying foul. I've run into sites that won't accept a prepaid card number; it may be they can detect and reject single-use ones in the same fashion. I also expect single-use tokenized stuff like Apple/Google Pay is eating into the utility. – ceejayoz Oct 1 at 14:25

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