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"I’m always surprised as to why people are concerned about card details misuse. You are not responsible for card-not-present fraud (without 3D Secure). "

I am not surprised. You have obviously never stood in Ethiopia or wherever and have gotten a call from your bank: " This is the fraud department, unfortunately we have to block your card but we send you a new one".

Trick question: How many CC do you carry at a given time?

Hint: based from experience it should be at LEAST 3.

I am using a non-shit bank which will leave Apple Pay active while the physical card is replaced, or decline card-non-present transactions while leaving the card active for in-person transactions.

If the bank is bad it’s one thing but then the solution is to choose a better bank, not hack around the problem with a (shady) middleman like PayPal.

Not sure if it would have helped in your case, but when I was going to China for 2 months, I called the bank beforehand and let them know that I'll be in China, and asked to ensure the card would work there.

Would not have helped.

When I was abroad one guy was enjoying a decent McDonalds meal in the states with a cloned card.

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