U.S. virtual credit card platform Privacy registration and usage tutorial

? Privacy is a start-up company in the United States that provides virtual credit card services to individual users. The company's identity can be seen through the company name Privacy. Mission: Protect individual users’ card security as well as personal privacy. It is very convenient to use and is currently completely free. This virtual credit card service provider has two card segments, namely 485910 and 476771, of which 476771 is more common. By checking the BIN database, the following information is obtained:

BIN information of 485910 and 476771

Both card segments are prepaid card-level debit cards, because they are for individual users. , so this card cannot be opened unlimitedly, and the consumption limit is also limited.

Registration requires the following information:

US Checking account (USD currency) currently supports more than 9,000 financial institutions, common ones include Bank of America BOA, CHASE (Chase), WELLS FARGO (Wells Fargo), CITI (Citibank), CaptalOne and usbank, etc., do not support Savings accounts. In addition, the balance of the Checking account must be higher than $50, otherwise it cannot be used to activate the Privacy account.

1. A real and valid U.S. address. This should preferably be consistent with the billing address of your U.S. bank account, because sometimes it requires manual review before it can be opened.

2. A US mobile phone number, used to receive the verification code, you can use Google Voice

3. Please fill in your name and birthday truthfully. If you want to verify the information later, use your passport Verification will be easier.

4. US IP address,

5. Email, it is recommended to use Gmail

The Privacy official website shows that only US citizens and those with US green cards can apply Use, but since SSN is not required when registering, it is equivalent to leaving a gap and providing us with an opportunity. The registration process is as follows:

Registration entrance: /, click Sign up FREE in the picture below :

It’s so difficult for me to enter my email address and set a password, and pretend that I live in the United States!

After clicking "Get Started", Privacy will send an email titled "Verify?your?Privacy.com?Account" to the email address you entered to verify email ownership. Next, enter your personal information

Enter your personal information?

To verify your US mobile phone number, you can use Google Voice, as shown in the picture:

When doing tutorials Google Voice can receive verification codes, as shown in the figure:

Google Voice receives Privacy verification codes

Next, you need to connect your bank account and log in to your online banking, such as Picture:

Add bank account

Nowadays, many people have opened a Bank of America, so a U.S. bank account should not be a problem. Select the bank where you opened an account or enter your bank in the search bar. Search by name. Cathay Bank is also available, and you can witness account opening in China.

After selecting Bank of America, you will see the following page:

Plaid is a platform specifically used to connect bank accounts and APPs. In the past, Bank of America accounts were added to Barter and TransferWise. , it is also connected through this platform.

Enter your online banking account number and password

Enter your online banking account number and password and select the Checking account to be connected, and then the registration is successful.

Normally, it will be opened in real time, but I encountered an accident when registering. After registering, I received an email: Account under review. The email stated that due to security reasons, my account needs to be manually reviewed, which usually takes one working day, as shown in the picture. :

The Privacy account was manually reviewed

I was lucky, no additional information was required, and the account was opened after one working day.

After logging in, the first thing you see is your recent consumption (Your Account). Putting the mouse on "Spend Last 7 Days" will display the maximum amount that can be consumed every week. Put the mouse on "Spent Last 30" Days" will display the maximum amount that your account can consume each month. With my Privacy account, I can spend up to $150 per week and $600 per month. Privacy uses a set of algorithms or manual review to decide to increase/decrease the spendable limit of each account. As shown in the picture:

Consumption limit

From the perspective of Privacy’s positioning, a consumption limit of 600 US dollars may be enough for individuals: buy a software on Google Play, Or buying a song in iTunes, getting a Netflix membership, etc., it doesn’t cost much. Although the official said that this amount will be adjusted according to usage, I feel that no matter how much it is adjusted, it will not be able to meet the demand for paying Facebook advertising fees.

Below "Your Account" is "My Wallet". Click New Card on the right to open a card. Since the card opening process is very simple, I will not go into details and post a few pictures:

Privacy card's nickname

Set consumption limits:

Single-use (single use)

Per Month (monthly)

Per Year (every year)

Total (the maximum available limit of this card)

Limit of a single card

Set the card name and consumption limit Then click "Create Card", as shown in the picture:

Create Privacy Virtual Credit Card

All successfully created cards (including deleted ones) will be displayed under My Wallet, click on any one card, you can perform the following operations:

Modify the name of the card

Set the consumption limit

Pause or close the card

View consumption details< /p>

Can I customize my billing address?

Yes! This is the only virtual credit card I've come across so far that allows you to customize your billing address and zip code and actually test it through AVS verification. This is what the official said:

Customized billing address

When you place an order using a customized name and address, Privacy will tell them that the name and address you entered are correct. of. Although you can make up the address yourself, it is best if it actually exists on Google Maps and not be too wild.

Does Privacy have a card opening fee?

Currently completely free.

How many card slots are there?

This is what the official said:

How many cards can be created

I registered in March 2019. At that time, I could open 12 cards per day, one month A maximum of 36 cards can be opened. Now it looks like this: There is no limit on the number of cards that can be opened. It will be determined based on the usage of each account. You cannot open too many cards at one time for the same merchant. This situation will be considered as abuse or abuse. Fraud.

For other questions, please refer to Privacy's official FAQ: /faq Friends who are not good at English can still read it by using Chrome browser to translate it.