This is a terrible take, but saying it doesn’t work in the comments of a news that says they work makes it even worse.

I’m sure an overworked rider struggling to get to the end of the month has time and money to spend on this just to get a basic right protected. Individual solutions to systemic problems never work.

mastercard sends your transaction data live to banks. They sell your data to third parties for marketing, profiling and the likes. Credit score is the least of your problems.

I know because I developed a system, in a major European bank, enriching their transaction data with mastercard data for live, predatory marketing.