[zburatorul]

This should be the top comment in this thread imo. This service solves a lot of the issues mentioned. No need to call anyone and beg for a cancellation, just close the card.

A caveat is that one should be aware of how binding one's agreement with a business is, and whether a simple card cancellation will make the problem go away or become worse (collections).

[woobar]

US credit card issuers went through the phase of offering disposable credit card numbers 15-20 years ago. And about 10 years ago they started to discontinue this option.

I think major selling point was preventing fraud, and it was a hassle for a consumer. I.e. consumer have to proactively generate virtual CC every time they pay over the Internet. Which is a pain point especially on mobile. Zero liability solved the problem for the majority of users with less friction.

With regards to subscriptions virtual credit cards are not always a solution. If you have signed a contract and then your card "expired" it doesn't magically make your contract void. I know that gyms will keep billing you and eventually will sell you to collectors.