Suggestions for Virtual/One-Time Debit Cards to Use on Free Trials?

Morkai on 13/09/2022 - 09:10

Hi folks,

I'm looking at a particular training course on Udemy, this course is included in their "Udemy personal subscription plan" that has a 7 day free trial, but they want my bank card to start the trial, and knowing my luck, I'll forget to cancel and get slugged the $30 for the following month.

I could be a responsible adult and set myself reminders etc, but I'd like to limit the potential damage if I forget to cancel too…

I've heard of privacy.com that sets up a virtual debit card, but their TOS suggests it's for US citizens only. I could go to Woolies and buy a Visa gift card, but I wasn't sure if there were any other options people had used for this purpose?

Thanks!

Financial

Comments

  • silenthillrocks on 13/09/2022 - 09:14
    +1

    Zip one time cards

    • dazweeja on 13/09/2022 - 13:57
      +1

      I use this all the time for trials. I believe there is an initial credit check when signing up though.

  • CyberMurning on 13/09/2022 - 09:16
    +2

    REVOLUT
    i have this, been using it, great. you can generate new cc number, then use it, then kill it.
    anytime, free, instant

    make sure use referral system. currently the promo is for the referrer to receive $100, but new user $0.
    you can negotiate with the referrer to split the reward, some will agree some will not.
    i think its fair to split the reward tho otherwise whats the benefit for you, right?

    • askbargain on 13/09/2022 - 10:06

      Clearly chimot is offering a 50/50 split, but some are willing to go higher :)

    • RotundPolarBear on 13/09/2022 - 11:45

      Curious how the referral splitting works.

      • askbargain on 13/09/2022 - 12:57
        +1

        only the person who refers gets the $100. don't sign up now because you have to do the requirements in less than 24 hours. you will have to wait a few days.

    • USER DC on 13/09/2022 - 11:54

      make sure use referral system. currently the promo is for the referrer to receive $100, but new user $0.
      you can negotiate with the referrer to split the reward, some will agree some will not.

      Definitely do not trust all users here.

      asked someone to split their tiger brokers referral MF didn't share anything at all, even tho I only asked him 40%

      • RotundPolarBear on 13/09/2022 - 12:01
        +1

        That sucks. Were they a long time member? Chimot has been around since 2008, so probably trustworthy.

        • USER DC on 13/09/2022 - 12:03

          Member Since
          04/08/2012
          Active almost every now and then

          Anyway I gave up, should have just not used that idiots referral link
          I personally don't mind people getting referrals, but when someone says they would share and then later do not share anything not even like 10-20% that's what really annoys me.

          I cannot comment on other people's trustworthiness, Hopefully the person you are using referral of is honest.

          • RotundPolarBear on 13/09/2022 - 12:08

            @USER DC: Yeah that's a real jerk move on their part. Such a long time member too. Hard to trust people nowadays. Should name and shame, if you feel comfortable doing that.

        • CyberMurning on 13/09/2022 - 19:54

          Well i have been to many ozb meetup so i wont run away for a mere $50.
          If $5mil yeah

    • JIMB0 on 13/09/2022 - 13:54

      You're assuming that Revolut will pay the referral in the first place. Also some users have reported payments going through even though they cancelled the card.

  • BewareOfThe Dog on 13/09/2022 - 09:35

    AusPost Mastercard?

  • Nugs on 13/09/2022 - 09:43

    i've used the coles 10% off gift/mastercards for both kayo and spotify, use one with low balance remaining
    .

    • SnoozeAndLose on 13/09/2022 - 09:46

      I use the one with no balance remining

      • Nugs on 13/09/2022 - 09:52

        tried that once (maybe kayo) didn't work
        .

    • vikvance on 13/09/2022 - 11:43

      It's very hit-and-miss with using the gift mastercards for this purpose.

      A lot of merchants, and particularly online services (streaming, courses etc), will just decline the gift cards.

  • prisonmike on 13/09/2022 - 10:14
    +1

    Wise also offers virtual cards that you can use for timed trials

  • AndyC1 on 13/09/2022 - 10:31

    Forget cancelling within 7 days… Make me wonder if the course info will also be forgotten within the 7 days.

    • Morkai on 13/09/2022 - 13:21

      The other option is just buying this particular course outright for ~$55 (when not on sale) and forgetting about the subscription, but I thought I'd see if the first option was viable. My main bank is CBA and they don't appear to have any one-time cards like others do.

  • holdenmg on 13/09/2022 - 10:43

    Sportsbet.com.au offer a Mastercard Cash Card

    • RotundPolarBear on 13/09/2022 - 11:48

      Don't think this card offers one-time use, does it?

      • holdenmg on 13/09/2022 - 11:52

        Only if you use it once.

        But for a one-off trial it should suffice for Udemy at least.

        I dunno, is the OP after multiple trials.

        • RotundPolarBear on 13/09/2022 - 12:06

          I think anything you deposit into Sportsbet will need to be bet at least once before you can withdraw. They have turnover (anti money laundering) requirements.

          • holdenmg on 13/09/2022 - 12:14

            @RotundPolarBear: I think that is only on winnings.
            Anyway, no fees.

            Otherwise Wise.

            • RotundPolarBear on 13/09/2022 - 12:22

              @holdenmg: Winnings don't need to be turned over actually, only deposits. I have a few grand in Sportsbet and actively bet (match betting), so am somewhat familiar with them.

  • RotundPolarBear on 13/09/2022 - 12:26
    +2

    UP Bank has a virtual card (in additional to the main card) that you can lock and unblock on demand. Could be an option. Unblock it to use the card, then immediately re-block the card to prevent future charges.

    • CyberMurning on 13/09/2022 - 19:55

      Revolut can be block temporarily too

  • xdigger on 13/09/2022 - 15:24

    Any Australian-based service that is free, doesn't need a credit check, and can just have a $0.10 credit? Thanks.

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