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Comment by gingerlime | Hacker News Reader

just curious, but (how) would it be possible to offload this with a financial service like a bank or credit card company? don’t they check your identity? can you really authorize someone else to do it without sharing sensitive details with them??

(I guess the super rich can have very trusted employees with such access, or banks provide white glove service at some point, but that’s clearly different)

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If you have a net worth of a few hundred thousand dollars you can engage in "private banking" services with many major banks. You will be paired with a banker who can work as your advocate, bend internal rules, and cut down the amount of time required to deal with disputes. If your card happens to be issued by that bank, I would imagine they could assist with aspects of that.

If you have substantially more money than that then you can enlist financial professionals to legally act on your behalf and settle disputes for you.

In theory the owner should have a better relationship with their bank so they don't deal with that sort of thing.

You can add a signatory to a bank account (and I'm guessing to a credit card as well). I don't know of any services that specialize in nit-picking through the use of an authorized signer however part of said hypothetical service could be to bond / insure that the secondary signer doesn't take some sort of negative action that leaves the account/owner in bad standing.

But again you're running into the ultimate question of why isn't your bank / credit card taking care of you...maybe it's because the bank / CC just make money off of the fiduciary mishaps of the owner when they don't have 20 minutes to wait on hold.

You can authorize other people to use your credit cards. Totally legit. Merchants can accept it or request verification.

Most of the virtual assistant services have you store your spending details for this exact scenario.

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