What underrated privacy apps do you actually use?

Virtual card services only provide privacy between you and the merchant, the place you’re buying from. Virtual card services still have to verify your identity due to laws so there is no privacy between you and them.

Well, I personally use my own bank’s credit card, and then for situations where I require more privacy, I use Monero if it’s an available option. I don’t feel any need to hide my transactions from my bank, as I have complete trust in it.