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cover of episode Digital Wallet Security and Credit Score Myth Debunking with NerdWallet's Smart Money

Digital Wallet Security and Credit Score Myth Debunking with NerdWallet's Smart Money

2024/5/18
logo of podcast All the Hacks with Chris Hutchins

All the Hacks with Chris Hutchins
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Sara Rathner
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Sean Pyles
作为 NerdWallet 的《Smart Money》播客主播，Sean Pyles 提供了深入的财务和保险知识，帮助听众做出明智的财务决策。
Topics
Sean Pyles和Sara Rathner讨论了数字钱包安全和信用评分的常见误区。他们首先澄清了三个关于信用评分的误区：少量余额不会提升信用评分；查询信用评分不会损害信用；关闭旧信用卡账户可能损害信用。他们解释了这些误区的成因，并提供了正确的做法。接着，他们讨论了数字钱包的安全性和隐私问题。Sara Rathner解释了数字钱包如何通过令牌化技术和多层安全措施来保护用户数据，并强调了保护手机安全的重要性。Sean Pyles则讨论了不同数字钱包对交易信息的追踪程度，指出Apple Pay不保留可追溯到用户的交易信息，而Venmo则默认公开交易信息，但用户可以更改设置以保护隐私。他们还讨论了公司对用户数据的追踪行为以及如何保护个人信息。最后，他们讨论了网络上的“暗模式”以及如何应对这些操纵用户行为的策略。 Sean Pyles和Sara Rathner深入探讨了数字钱包的安全性以及如何保护个人信息。他们解释了数字钱包如何利用令牌化等技术来增强安全性，并强调了定期检查信用评分以及谨慎管理信用卡账户的重要性。同时，他们也指出了数字钱包在隐私方面存在的挑战，例如不同平台对用户数据追踪的差异，以及如何通过调整设置来保护个人隐私。此外，他们还讨论了网络上存在的‘暗模式’，并建议用户提高警惕，仔细阅读条款和条件，以避免被操纵做出不利于自己的选择。

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Chapters
This chapter addresses the security of digital wallets, explaining how features like tokenization and additional security layers make them safer than physical cards.

Shownotes Transcript

#173: Today I’m sharing an episode of NerdWallet’s Smart Money Podcast, where hosts Sean and Sara address the safety and privacy concerns of digital wallets and debunk common credit score myths. They highlight the importance of securing your digital wallet by leveraging phone security features, understanding privacy policies of digital wallet providers and implementing proactive measures to safeguard your information online.

Sean Pyles) is the executive producer and host of NerdWallet's Smart Money podcast. His writing has appeared in The New York Times, USA Today and more. Sara Rathner) is a NerdWallet travel and credit cards expert. Her work has been featured on the “Today” show, Nasdaq and CNBC’s “Nightly Business Report.”

Link to Full Show Notes: https://allthehacks.com/digital-wallet-security-credit-score-myths)

Resources Mentioned

NerdWallet's Smart Money Podcast)

Article: Companies’ deceptive ‘dark patterns’ online cost you money. Here’s how to fight back.)

Full Show Notes

(00:00) Introduction

(02:05) Credit Score Myth #1: Small Balance Equals Good Score

(04:29) Credit Score Myth #2: Checking Your Score Will Hurt Your Credit

(06:24) Credit Score Myth #3: Closing Old Credit Card Accounts

(09:50) A Listener's Favorite Money Mistake

(13:41) Are Digital Wallets the Safer Option?

(15:42) Ways to Secure Your Digital Wallet

(16:58) Challenges of Digital Wallets

(18:06) Privacy Around Digital Wallets

(21:12) Safeguarding Your Information Online & Offline

(24:22) How to Fight Back Dark Patterns

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