this post was submitted on 23 Sep 2024
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What the heck???
Usually, at a reasonable business, you can pop in, in person, and show your two sets of ID or whatever, and then they can reset the pin and phrase for you. I mean even banks do this.
At times like this I wish Canada had a version of https://www.capitalone.com/digital/tools/eno/virtual-card-numbers/ - then we can just hand over a virtual card specific for this one company to these unreasonable folks, and cancel the card when they refuse to allow us to cancel our account with them.
(I can in fact do this with my US capone, but then the problem is that not every Canadian merchant accepts a US credit card - some will only let you put in a Canadian address/postal code with the CVV.)
Agreed.
Wise personal account, if you want virtual cards. They're debit, not credit, but it's an option.
Thanks! This is a good option to have, I'll have to give it a try.
Definitely a YMMV thing (I can see how some merchants might insist on actual credit, rather than debit, in particular for recurring transactions) and also it seems Wise only lets you have up to three max.
That said, it likely works out well for me, complementing well what I already have - there are just a couple of merchants that I know of that strictly require a Canadian card, and those all allow debit cards.