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I have been in Germany for 6 weeks. I have spent thousands of dollars between flights, train tickets, and hotels. Guess what I have to do every, single, time I buy a 3EUR train ticket? Receive an SMS on my American cellphone number.
Their "solution" is to have a family member in the US add their number to my account, wake up in the middle of the night and relay TOTP codes to me. FOR A 3EUR TRAIN TICKET. Multiple times a day. From the same damn train company.
I'm willing to pay $1000 yearly fee for a competent credit card company that sends me TOTPs over Email (just like they send me charges [but of course, not refunds/canceled-authorizations]). Or let's me use a Security Key.
The funny thing is, they happily text these codes to VOIP SMS numbers, which I can (and do) route to my email anyway.
It's abusrd that my Xbox account is both more secure and less annoying to use than my credit card. Again, for a 3EUR train ticket. I feel like we're slowly entering this dystopia Kafque-esk nightmare, and yet, as always, there's people in the comments here insisting this is fine, or that I deserve it.
I'm going to assume the people saying "use cash" have never set foot into the real world. Yes, let me put cash into the non-existent train ticket machines, or to the non-existent train attendants. In the 3 minutes I have before my train comes.
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