whether you're not sure if that website you just found is a legitimate one or not or
you're not comfortable giving your data over to one of any number of possible data leaks
as you can see here that's where privacy.com comes in hello i am Wanderer001 and this is my review of
like i said privacy.com i'm going to give you the tl dr this is a way to create virtual credit cards
so that you can use it to pay either one-time fees recurring bills things of that nature we
will get into the nit and gritty of it as we go through the review for starters you do need to
create an account with privacy.com in order to actually be able to access it i'm going to call
this a kyc and if you know what that means it is a know your customer meaning that you do have to
set it up with a email address phone number and actual physical address as well as you will need
to link a bank account or debit card now with that i did find that you cannot link it to a green dot
account because i was planning on using this with my wealthfront account review over there in the
corner but it wouldn't let me do that so you're gonna have to be looking at one of your major
banking establishments for use with this particular system and then what it'll do is
it'll do a micro transaction to your debit or bank account to make sure that you are the legitimate
person it was a little larger than i had thought with other services right here in the middle you
can see some of the transactions that i have made uh kind of slowed down when the pandemic hit so i
didn't really use this as much as i thought i was going to because well i wasn't buying anything or
going anywhere but that's all changing turning around so i figured i would help you guys out
to help keep yourself private online you do have a rotating carousel up here at the top of things uh
that they'd like you to pay attention to uh they have a contract with one password you can get cash
back we'll talk about that a little later invite friends and then it does have a chrome extension
but we're here for the credit cards and what that is is right here you can see i created a discovery
plus that is a burner card i've got an hbo down here i've got an apple tv so when i'm testing out
all of those streaming services this is primarily how i go about doing it i will caveat saying that
not all streaming services will accept a digital credit card so keep that in mind if we come over
activity this is everything over here right now i haven't really done anything but you can show
your daily spend your monthly spend your privacy credit so just for signing up you get a credit
and then track your spending we're gonna come over to cards because well that's what you're
interested in selecting cards will show you and selecting one like this one here wise shows you
the transactions just for that particular card you can also pause it close it or tag customize and
share we're going to close that because what we're going to do here is we're going to select create a
new card what this will allow you to do is select a nickname and we're just going to call this
test and you'll see it actually kind of looks for icons that look like it so what if we did udemy
so here we go udemy save you can select a limit or leave it unlimited so you can
have a monthly yearly per transaction or total i'm going to say total leave it at 100
and then set spend so what that's going to do is it's going to create a card that will have a total
spend limit of a hundred dollars for udemy so if this was a recurring thing like hulu or netflix
once it got to 100 the card would decline and they wouldn't be able to charge you granted netflix
or hulu would close after that because well they want to get paid but it's one way to kind of keep
yourself from getting over subscriptioned meaning you signed up for something kind of forgot about
it if you used one of these cards you wouldn't have to worry about that what i'm going to do
now is i'm going to select create card and just like you saw before it creates a credit card for
you obviously it's blurred out but it lets you know and just like before you can pause close or
tag customize or share so we could select tag create a tag for it come down customize
and it's letting you know if you've already used this somewhere it's going to cause some problems
but we can change the brand or we can customize it ourselves so hypothetically if we wanted to put a
tv on it and we're going to make it blue and then hit save that's still our udemy card but we got to
customize it a little bit to make it a little easier to tell from the grouping you can also
share it and it informs you that you know you're taking obligation because this is linked to your
bank account that you're responsible for that and we're just gonna close that and make one more card
we're gonna make this a netflix card we're gonna say save instead of no limit it's a single use
card ten dollars submit now you'll notice that it turns red so that's what that red icon means it's
a single use it's like a burner card so that is one way to keep yourself anonymous it also is good
to get around places that won't let you buy more than one thing per credit card just putting it
out there also if you ever have lost your physical credit card you know what happens is they send you
a new credit card with new numbers and you have to change your services to the new credit card if you
have a digital card like these there's nothing to lose because if you lose your debit card you
merely come in here and change your debit account and then all of your credit cards that you've set
up stay intact now what about people who get cash back on their credit cards well sadly
privacy.com doesn't get cash back because it's linked to a debit or a bank account however
if we come over and look at pricing personal is the one that i've been using it's free forever
you don't have to pay for anything however their pro plan which is ten dollars a month will get you
one percent cash back on all of your purchases if it's worth it to you most personal credit
cards get a little more than that i'll have links to the ones i use down in the description area
but here you can see one of the bonuses is you can create 36 cards per month on the free account you
can only do 12. so i kind of stacked mine ahead of time knowing what i would want but 36 cards gives
you a little more flexibility this one is what i actually considered upgrading for which is the
discrete merchants meaning privacy.com will hide from your bank what you're buying
i'm not saying that this is some black market stuff but maybe you're shopping somewhere that
you don't necessarily want your bank to know about this is a way to do it again completely
above board this is not dark web stuff this is merely shopping at a merchant that you don't
want to show up on your bank account maybe you're shopping at a novelty store for a bridal shower
and you just don't want your bank to know that this would allow you to do that if you move up to
the teams for 25 dollars really you get 60 cards which is more you get a dedicated account manager
and in a higher transaction limit because with a personal or three one you have a daily spend
limit of 250 dollars and a monthly spend limit of a thousand dollars so if you needed more than that
you would upgrade to one of those higher tiers one of the things that i do appreciate and i know
you may be thinking about this as well what makes this different than if i use a paypal or something
like that and you know what yes you're right it is similar to paypal however not all merchants take
paypal so having a virtual credit card allows you to shop on sites like that privacy.com does offer
2fa so you can use it with your a authentication app on your phone to add an extra layer of privacy
or it will send you an email code which is good it is good security and you would hope you get
something like that from privacy.com i know this is a little more disjointed than i normally do
it's a service that piqued my interest before the pandemic and now that things are changing
i will go back and use it a little more but with the holiday shopping season
coming up i figured i would share this particular service with you obviously as i mentioned before
there is a referral program so i will have my link in the description area below if you found some
portion of this helpful i appreciate you using the link it will get you five dollars for yourself
that you can have credit to your privacy account if you have any questions or comments regarding
privacy.com please feel free to leave them in the description area below i have been Wanderer001
and as always thanks for watching if you found this video helpful consider giving it a like
as that will help other people find the video as well if you like what i'm doing here you can
always help fuel the next review by buying me a coffee link in the description below
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