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Comment by joshstrange | Hacker News Reader

I had early access to this but passed on it after I read more about it, specifically:

Annual Fee: $0 intro for the first year, $49 per year thereafter

And

Earn 1% cash back on all purchases

So you have to spend $5000 on this card just to break even and then I'm still only getting 1% back. As someone who has never really had an issues with my CC which averages me 2% back and is free and I can't start to justify this. I use Simple Bank and love the UI (mobile/web) and this UI looks nice but with Simple I didn't have to leave money on the table to switch over to it (or at least not how I use it).

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Yeah, I'm not willing to use a card with an annual fee. I already have a card with none, and 1% cash back. I'd consider using a card with less cash back if I liked the services enough, but I'd never pay a fee for a card.

That said, I do really want disposable card numbers; I've missed that service ever since Amex discontinued their version.

This is helpful feedback, thank you.

The value proposition of Final is pretty low. Fraud on CCs is pretty much inconsequential. If one of your cards if compromised, report it and use another card. "Virtual" cards aren't really a benefit. Vendor-specific cards are already around (Amazon, Bloomingdale's, Costco, etc) and provide benefits in addition to being a targeted card. Vendor-specific cards also help your credit score.

- 18% APR? (interest rates are near 0%; my worst card is 17%) - 1% cash back (my worst card is 1.5% back, best is 5%) - $49 annual fee? (None of my cards have annual fees)

Great work on the features and UI for the service, but you need a better banking partner. The product is unremarkable.

Completely agree. To justify any annual fee, in current environment, you need to be not just good but outstandingly good. I have only one card that has annual fee and that one pays 6% back (not everywhere, but where I use it enough to be worth it). There are 2% cards around with no annual fee.

So what I am getting is virtual CC numbers (which is not really new) with package that is rather sub par. I mean, I get the technological end, it's very neat, but when I compare cold hard (plastic :) cash, this card does not look appealing to me.

As for CC breaches and changing numbers, yes, it's annoying, but for me not annoying enough to commit to a card that on relative calculation would cost me couple of hundreds of dollars per year.

Yup this sucks compared to other credit cards, and is the equivalent of calling and getting a new card number every few months which is free.

Thanks I wasn't aware of this. I signed up for Final, but now i'm not going to continue.

The irony is that they "fixed" the credit card but you can't cancel online, just like with any other card. In fact, searching their support, there is literally no instruction on how to cancel. Classic.

interesting how many 'mainstream' companies are acting like the online porn companies did in the late 90s... easy to keep rebilling the customer if you don't provide a way to cancel.

i always look for this before signing up to a financial service. if you aren't easy to reach from every page on your site(or only allow phone calls from 9-3 EST, kind of crap)... i don't trust you with my money, period. I know really good customer service reps are spendy, but hiding from the customer is unacceptable.

Appreciate the sentiment, and agree that being aware of cancelation is important with financial services.

While the phone support number is not published on the marketing site, we make ourselves incredibly easy to reach for all current cardholders, both through the mobile app as well as by phone and email. Support is based onsite here at our HQ office in Oakland, and can be reached between 9am-5pm PST.

what if someone is not a customer or forgot their login? 9-5pst isnt much better then 9-5est, it still means i have to take time out of my normal work day to deal with you on your time. its your business, so run it as your wish of course, but as a customer, these are the things i look at, and scant phone/support availability is a red flag to me.

What if someone has an issue with their card in the middle of the night? They need to wait until morning to get help?

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