<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>Someone1234</author><text>Do you actually know, for a fact, that you can generate arbitrary card numbers? Meaning have you got an agreement with visa, mastercard, or similar where they allow you to do that.&lt;p&gt;Is there a limit on how many customers&amp;#x2F;unique card numbers you can have, and is there an inherent cost in gaining a new number (e.g. will accounts be capped at X disposable numbers per Y period).&lt;p&gt;Once you delete a card number how quickly is it returned to the &amp;quot;pool?&amp;quot; And do you re-assign it to a new user requesting a number?&lt;p&gt;Do you think third party web-sites will break because a card number is used twice for two different users (e.g. user 1 and user 2 both have the same number on their accounts, because user 1 let it expire, and then user 2 received it and utilised it).&lt;p&gt;Are you worried that these numbers could be used for fraud or abuse (e.g. unlimited trials).</text><parent_chain><item><author>arfrank</author><text>CTO&amp;#x2F;Co-Founder of Final here.&lt;p&gt;Final is what we built to take back control of our own credit cards for how and when we’re charged, instead of leaving it up to merchants. That led to merchant-specific numbers and limits, managed automatically, as well as transparency in statements. It’s our stake in the ground, a way to shift the culture in credit towards consumer friendliness.&lt;p&gt;Happy to answer questions</text></item></parent_chain></comment><story><title>Final – A credit card built for the 21st century</title><url>https://getFinal.com</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>notJim</author><text>One of the problem w&amp;#x2F; traditional credit cards is that my interests are not aligned with those of the card issuer. It&amp;#x27;s better for me to pay off my balance every month, but better for my bank if I don&amp;#x27;t so they can collect interest.&lt;p&gt;Will this be any different with Final? If so, how do you plan to make money?</text><parent_chain><item><author>arfrank</author><text>CTO&amp;#x2F;Co-Founder of Final here.&lt;p&gt;Final is what we built to take back control of our own credit cards for how and when we’re charged, instead of leaving it up to merchants. That led to merchant-specific numbers and limits, managed automatically, as well as transparency in statements. It’s our stake in the ground, a way to shift the culture in credit towards consumer friendliness.&lt;p&gt;Happy to answer questions</text></item></parent_chain></comment><story><title>Final – A credit card built for the 21st century</title><url>https://getFinal.com</url></story>