this post was submitted on 07 Nov 2024
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Privacy
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A place to discuss privacy and freedom in the digital world.
Privacy has become a very important issue in modern society, with companies and governments constantly abusing their power, more and more people are waking up to the importance of digital privacy.
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I love virtual cards. I use privacy.com for all my online stuff. Not a solution for this purpose unfortunately.
As for your divide-it-up approach, that's an interesting thought. I guess I'm a little concerned about signing up for several cards with several companies and several privacy policies. Feels a little weird to me, but I do see the merit in not having all your eggs in one basket.
As far as the Apple Card and Goldman Sachs is concerned, I'm still trying to figure out which details are given to whom. Its hard to find info about it. I wouldn't be surprised if you're right and it's the same as any other card from Goldman Sachs.
Hard pass on their privacy policy. They have to collect lots of identifying data to do financial transactions in the US, and they don't currently sell that data, but:
They're a startup that just had a huge Series A in 2021. If they're at all successful they'll almost certainly get purchased by a mega bank that primarily wants all that sweet sweet private data that's been getting collected but not shared all along.
Tell me you either don't love in the US, or don't understand what a credit score is, without telling me...
Every time you open a credit card, you get a "hard credit check". You get one(?) freebie a year, then it starts significantly dropping your credit score. Having a larger amount of unused credit available to you will slightly increase your score, but having too many less of credit (e.g. >5) will significantly harm it.
All that said, credit scores are a scam, but do affect your ability to get a car or home loan, or rent a place to live.