But yeah, when Snapchat rolled out their subscription program, I was all set to buy it to get rid of the annoying ads and AI in my chat list, then I realized I could do none of that. So now I just use it a lot less, which is probably better for them anyway.

That credit union is awful for many other reasons, so I don't keep much in that account, but I wonder why banking in the US is so bad at security. I don't think I have a single bank or credit card online account that allows for TOTP. It's all SMS or phone call, with one bank allowing for app push notifications.

Is there a compliance check box that requires SMS over something with at least some security?

https://www.fastmail.com/blog/why-we-dont-offer-pgp/

I did have success with a privacy.com card once, at a store that cancelled orders from all of my other cards. I'm guessing they see it as a prepaid card and can't get as much info on those.

So many online stores will approve my purchase and bill the card with no issue, then cancel it a few hours later for vague security reasons. I remember when the credit card companies ran commercials about how easy and secure credit cards are, especially compared to checks, but now I feel like a criminal every time I try to use mine. I wonder if this violates any part of the merchant agreement that these stores are getting a 100% valid authorization on my credit card, but still aren't willing to accept my payment.