My First Time Using a Virtual Card – What I Learnt

I'm old school. I like cash. I like seeing the money leave my hand. But after my physical card details got stolen online twice last year, I decided enough was enough.

I tried a SurgePay virtual card for the first time, and guys—I am never going back.

What is it?

It's a card that lives on your phone. It has a PAN, expiry, and CVV, just like a plastic card, but you can't lose it under the sofa.

The 'Netflix' Test

I created a card specifically for my subscriptions. I loaded exactly $15 on it for Netflix. One month, Netflix tried to charge me twice (glitch?). Guess what? The transaction failed because the limit was reached. My actual bank account was untouched. I felt like a genius.

Buying from 'That' Instagram Vendor

We all see those ads for cool gadgets on random sites. Usually, I'm scared to put my card in. With a virtual card, I just create a one-time card, pay, and delete it. If they try to hack it later? Joke's on them. The card doesn't exist anymore.

Lesson Learned

Virtual cards are not techy nonsense; they are a firewall for your money. In this day and age of internet scams, it is the only way to shop online.