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To: MtnClimber

I tend to think bank cards should have two numbers.

The one you see on the face of the cards would be used for online transactions and would have a delayed funds availability policy.

The second one would be on the chip and would settle with a far faster funds availability policy, normally instantaneous.


7 posted on 05/06/2025 8:42:59 AM PDT by Brian Griffin
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To: Brian Griffin

Or a two-factor authentication where you reply to a message to your phone to approve a transaction. Something you know - Your credit card number, Something you have - your cell phone. You could also approve on your cell phone with a PIN to add another “something you know” factor.


8 posted on 05/06/2025 8:47:37 AM PDT by MtnClimber (For photos of scenery, wildlife and climbing, click on my screen name for my FR home page.)
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