Contact or Contactless Debate

akwe-xavante

I have both debit and credit cards, all contact cards.


I have two Capital One contact credit cards and Capitol One are now forcing me to go contactless.... Me No Happy.


I'm not going to carry around contactless cards in my wallet uless i can set my contactless limit to say £1 !?


I completely disagree with them entirely as i consider them to be a severe security risk. Anybody can use your card and buy something up to £30 without having to use a PIN.


It's the card holders responsibility to claim back monies spent and prove it was fraudulent BUT the card company ultimatly make the final decision. This process can take several days or many weeks.


Heres an interesting scenario....... An old / infirm / disabled person gives a contactless card to the carer or cleaner to go and buy bread and milk! What's to stop the person buying something for themselfs at the same time, a mars bar. "So ok i got away with that!" I'll buy a newspaper and a marsbar next time..... and so the process continues.


How does the vunerable person go about paying for what she did ask to be bought for her and NOT pay for the items she didn't ask to be purchased????? Is she at fault for handing over the card in the first place, probably yes and the same would be true if she had a contact card and gave the carer a PIN number to go with it.


BUT we are always being told never to give anybody a PIN number to go with a card or indeed have it written on a piece of paper in a puse or wallet where the card is!!!!!


As you can guess i'm very much against contactless technology but i can understand why card companies are doing this and it's not about making things easier for us firstly, it's about getting us to use our cards more often and therefore spend more on our cards. I'm sure that it's cheaper to manufacture one card type rather than two different cards too.


Is there a card company that issues contactless cards that allows you to either disable the contactless feature altogether or restrict its use to a value of your own choice "£1" or less even!?


How many of you have contactless cards and have experienced someone else using your card without your permission? What happened?

redux

I have more than one contactless card.

No problems at all. Some of the arguments against them, unauthorised use etc, also apply to cash.

It's becoming convenient not only to customers but also businesses. Faster transaction in a pub for example, serve the next customer sooner instead of messing about counting and handing back change, and less cash to carry from and to the bank.

If you're worried about surreptitious passers-by copying your card details, line your card wallet with foil

kwame41

I think all cards have the contactless feature.

I dont use it because I dont like the time it takes to appear on my account. Sometimes the transaction can take a couple of days to show up.

I might be wrong but dont you have to enable the card in some way before you use the contactless option for the first time?

Potbellypig

A converter to contactless over the past 12 months. I think it's a cracking bit of technology and will continue to use it.

Like the previous poster, the only slight gripe is the time it takes to show up on your bank statements. These should really have caught up now and be showing you live data at a click.

akwe-xavante

My problem is that anybody could take a contactless card by whatever way and use it to make multipal purchaes of up to £30 without my knowledge and or permission to do so until stopped.


It could be a family member, friend! or a theif, an employee. I could loose my wallet and it could be several hours or longer before i know about it. I could accidently drop my card in a store, on the street or accidently leave it on a store checkout counter. The person that finds it could use it until stopped, this could mean that the person could run up a substantial bill on the card.


My current cards are all contact cards and not contactless. My card companies have sent me contactless cards in recent years but i've always phoned and asked for them to be replaced with contact cards. Today i've recieved two new Captiol One contactless cards again. I phoned them to ask for them to be changed to contact cards, (This is something i,ve done before successfully). They tell me that this is no longer possible as they have now dumped contact cards and gone completely contactless now. I'm not having contactless cards, no way, far to dangerous to carry around, a severe security risk as far as i'm concerned.

Chino

akwe-xavante wrote: »

I could loose [sic] my wallet and it could be several hours or longer before i know about it. I could accidently drop my card in a store, on the street or accidently leave it on a store checkout counter.

In practice, how often do you lose your wallet or cards? I suspect somewhere between very rarely and never.

Whilst I agree that a lost or stolen contactless card can be used until (and sometimes after) its loss is reported, you won't be liable for any of those transactions.

kwame41

Just googled and some providers will provide a contactless card on request.

molerat

Carry a couple of hundred quid in your wallet then, perfectly safe if you lose your wallet


I love contactless, my biggest problem is that too many in a wallet sets off the alarms on shop exits.

Robin9

akwe-xavante wrote: »

.....................


I have two Capital One contact credit cards and Capitol One are now forcing me to go contactless.... Me No Happy.

................

Time for you then to close your Capitol One account and cut up these cards.

oldagetraveller

"I think all cards have the contactless feature."
Your thinking is incorrect. My Lloyds debit card is not contactless and that's how it was issued without any input from me.

I was a bit of a dinosaur with regards contactless cards but after using both a debit and credit card, to pay for fuel and car parking, I have changed my tune.
However, I am of the opinion that the £30 limit is sensible.
I don't carry my cards around in an armour plated wallet or wrapped in foil and have not had any problems with the perceived "near field" risk.
In fact I'm going to request a contactless debit card from Lloyds.

akwe-xavante

to use any card sent to you be it contact or contactless it requires activating before it can be used. You can't use a contactless card without first activating it.


Activation, activates the card and all its features inc contactless. You can't recieve a contactless card and use it without first activating it. You activate the use of the card not the features it comes with specifically.