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Joined 1 year ago
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Cake day: July 12th, 2023

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  • In Spain at least I have two small alternatives to this:

    • Paypal (I don’t like it too much, but it works fine).
    • A prepaid credit card offered through my bank. Good for sites that don’t look too trustworthy but I need to buy from. I just activate it, load it with whatever amount I need, I make the transaction, then disable it again. Even if it gets leaked no one can take any money out.

    For everything else I have a virtual credit card number that’s not dynamic, but at least it’s something I use exclusively for online stuff.


  • Here you get a debit card by default with your bank account, and that one’s free. You might get a credit one, but credit limits are typically low. I lived in Canada for 9 years and by the time I left I had a CC with a limit of 26k CAD. Here my Spanish credit card has a limit of 1.2k euros, and I’ve had it for quite a long time.

    In Spain at least there’s quite a lot of confusion with this. People call any card type a “credit card”, even debit ones.



  • In Spain (not sure about Europe in general) things are slightly different.

    I have been living in Canada for 9 years, and there if you see a transaction you don’t recognize in your credit card statement you phone your bank and they take care of that.

    Here in Spain you need to go do the police, file a report, then talk to your bank, then they’ll think about it.

    So when I came back I was talking with some guys I know and they convinced me that, at least around here, it’s still a good idea to use Paypal. You also get faster refunds, etc (and that could be due to some European regulation, not sure).