I pretty much have switched to us Privacy.com as much as possible. I usually spend north of $1K each month using my various Privacy cards. Most of the time, everything works fine, but sometimes if Privacy doesn't update the balance from my checking account, it'll show denied for insuficent funds. This can be aggravating, but it's usually fixed by the following day. It hasn't caused a huge issue where the benefits outweigh this annoyance. Knowing that if a site I have payment information gets hacked, and they don't have a card that I would have to replace and then go through the hassle of updating card info on numberous other sites is a huge lifesaver and a massive perk.