The thing about 3-D Secure is that it uses your phone number to verify it's 'you' making the purchase, but if your phone is lost/stolen and you get a new SIM, you're locked out of making any purchases with any cards tied to your old number. You can always update your details on the card provider's site so there is that. Another thing: SMS is not secure and a SIM-swap away from someone being able to make purchases in your name. I wish SMS just got deprecated as a form of verification. It's 2022, come on, we can do this!