• where_am_i@sh.itjust.works
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      4 months ago

      Me in yurop, using a debit MasterCard, never needed a credit score. Who has my data, what are they doing with it, and how do I burn down their server?

      (The answer, kids, is Stripe. Give it some years, it will be lit)

      • chobeat@lemmy.ml
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        4 months ago

        mastercard sends your transaction data live to banks. They sell your data to third parties for marketing, profiling and the likes. Credit score is the least of your problems.

        I know because I developed a system, in a major European bank, enriching their transaction data with mastercard data for live, predatory marketing.

  • Caveman@lemmy.world
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    4 months ago

    As a sidenote here I have a different issue where handing people your CC info is basically handing out the private keys to your bank account to a third party.

    I’d really like it if a credit card would use a public key system where you can verify that I have the funds and that the payment originates from the payment provider instead of getting my full CC details. I don’t really see why it’s necessary for a business to know who I am instead of just getting a green light from Mastercard or Visa to make the payment.

    • chiliedogg@lemmy.world
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      4 months ago

      Aren’t cellphone NFC payment essentially a long-form version of this? As far as the machine is concerned they’re getting your CC info, but Google/Samsung/Apple Pay are acting as a middleman and your actual credit card information is never actually shared.

      • Caveman@lemmy.world
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        4 months ago

        Yeah, it has it’s perks but my NFC stops working on a regular basis. Also I don’t like having my payments go through a spyware conglomerate.

      • tmpod@lemmy.ptM
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        4 months ago

        As far as I know, modern cards don’t just send your CC info to terminals, they do some form of a cryptographic handshake (probably a pubkey signature or similar) which gets confirmed by your bank. I believe Caveman was talking more about online shopping, where you have to enter your card number, expiration date, CVC and often your name too.

        • chiliedogg@lemmy.world
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          4 months ago

          I’ve run across a few sites that allow me to check out entirely through Google Pay or PayPal, but not many. I still don’t love the info going through Google, but at this point they already have all my information, so it doesn’t really make much of a difference at this point.

          And of course for anything that needs to be shipped they are going to need a name and shipping address.

          I would like to seeegally mandatory “guest checkout” options with protections on data use. They’ll need to keep some kind of invoice/receipt of the transaction, but it should be illegal to use it for any other purposes than order/purchase tracking for guest accounts.

    • wuphysics87@lemmy.mlOP
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      4 months ago

      This is my biggest issue too. In the ideal situation, I “trust” my bank. What I have an issue with is whenever I buy something it becomes part of the “public space” of data brokers. Maybe they only trade information on what my breakfast cereal of choice is. More (most definitely) likely is that everything I buy is there for any third party to see

  • Coasting0942@reddthat.com
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    4 months ago

    The whole point is that everything is in an official ledger, that can be argued over in front of a judge.

    Best you can do is say you don’t consent for your data to be sold. Find a smaller bank or a credit union where they have to give a shit about their customers.

    • where_am_i@sh.itjust.works
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      4 months ago

      Doesn’t your credit card provider still get all your data?

      E.g. doesn’t visa/mastercard know about every transaction? They charge fees and they have a fraud prevention systems. So, I think, they do, right?

  • Kit@lemmy.blahaj.zone
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    4 months ago

    Buy a prepaid visa with cash. Not technically a credit card, but it may be what you’re looking for.

    • OhVenus_Baby@lemmy.ml
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      4 months ago

      Most major American sites no longer accept these and they have become finnicky including locking the card so you have to call the call center to reopen the lock. This is due to curb laundering. Walmart in person works. Gas stations work. Used to work everywhere now, not much.

  • Adler180@lemmy.world
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    4 months ago

    That’s a great question if also been wondering for some time now. Obviously I can pay in cash, and only in XMR, no problems there. But when my cash runs out, how do I get the cash out of my bank account privately? I can’t go to an ATM with XMR or Google/Apple pay. Also then they know information I don’t want them to have. If I use my bank card the bank still knows where I am and how much cash I spent in a specific time frame. Anyone hast ideas on how to withdraw cash private?

    • tmpod@lemmy.ptM
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      4 months ago

      There’s no real way to do it. Unless you know someone who can trade you XMR<->cash and you somehow convince your employer to (break laws and) pay you in those forms, you can’t avoid it. At some point, you’ll have to get money on a real bank account, which requires real information to open.

  • Bobby Turkalino@lemmy.yachts
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    4 months ago

    I don’t know what you’re referring to exactly, but for me, I like using normal credit cards through Apple Pay because the recipient doesn’t get your actual credit card number and a different number is used each time

    • IllNess@infosec.pub
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      4 months ago

      Google Wallet, formally Google Pay, formally GPay, formally Android Pay, formally Google Wallet, formally Android Wallet, does the same thing.

      Switching phones and returning something was such a pain since it generated an entirely new number.