Having to pay a annual fee, a credit check and get an invite to use it? Might as well just use my AMEX or my debit card. My bank is more crazy over transactions than anything.

Walk into a Wal-Mart, as soon as I put the card in my phone rings (it's my bank) and card is denied.

AMEX likes to text and email me of things needing my confirmation.

If all else Privacy.com does the job just fine of generating new cards, burners, and etc.