I switched to Capital One after being with Citibank for years (decades, actually).  Citibank started a poor security practice of sending you a text message that says "never share this with anyone", and then they ask you to repeat that code over the phone (even after authenticating me with security word, address and phone number verification).

We had stuck with Citibank mainly because they have Virtual Account numbers, which I don't understand why all companies don't do that - it makes things so much more secure - I can confidently use insecure means of communication, like email for one-time use credit card numbers.  And we love that feature, but Capital One now has it as well, and arguably, their system is even better - you need to download a browser extension, but it will auto-detect I am on a shopping page and pop-up a prompt to generate a new number and it pastes the number and CVV code into the fields automatically.  They also have very long running expriation dates (Citibank is limited to 1 year) which means I can use unique credit card numbers with services that I don't want to have to update every year, like Comcast and USPS, etc.

Capital One has a referral program, where I'll get $150 if you use this link.  Thanks!

Posted by Jon Daley on January 12, 2022, 11:30 am | Read 672 times | Comments (5)
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