Is it possible the changing-CVV aspect of Citi's recently-downgraded Virtual Card system isn't as limiting as it sounds?
Let's say I create a VAN that I use at only a single merchant, say a street-parking app or a pharmacy. Since the merchant won't normally ask for a CVV except when you update a card, shouldn't the VAN keep working until you delete it? My understanding -- and correct me if I'm wrong -- is that a merchant isn't allowed to save a CVV anyway. So that would get around what is one of the major concerns for me.
On a separate issue, one thing that does concern me is whether Citi might now let a monthly subscription renew when I've deleted a VAN specifically to preclude that possibility.
Anyone have new-system experiences with either of those issues yet?
Regardless, it's too bad Citi f'd up what was a decent Virtual Card system, even if that was already inferior to what they had up until 4-5 years ago.
Posted Dec 9, 2025, 9:00 AM UTC