Chase contactless limit

Leiborschy

I've recently opened a chase account. This morning I got a notification that I'd reached my contactless limit. Ive messaged them, but over 2 hrs later , haven't had a reply. Anyone know what this means. It wasn't a single transaction limit, as it was only for £61

Daliah

You’ll have to wait until they get back to you, or you can try calling them if urgent. It seems rather odd that you should have reached your contactless limit after £61. What limit is shown in your account? Click on the person symbol top left to display your limits. Mine are as follows, and I believe they are the default. What do yours say?

MSE_James

What exactly did the message say? Was it merely saying that you'd have to insert the card next time rather than using contactless? 

Leiborschy

Yes, I had to input my pin. 

Leiborschy

Just checked. My limits are the same as your screen grab. 

400ixl

There is a limit imposed where the consecutive payments are made by contactless method which then requires you to use chip & pin to re-validate and reset the counter. It was £135 but not sure what it is not and it may even be a random amount. 

This is a different limit to those imposed by the card itself. Its an authentication limit rather than a spend limit in a way.

Daliah

If you want to avoid this "feature", use ApplePay / GooglePay.

Shakin_Steve

Monzo has a £200 limit with contactless payments before the PIN is required. It was £100 before the contactless limit rose to £100. I'm guessing Chase has a similar limit.

400ixl

Daliah said:

If you want to avoid this "feature", use ApplePay / GooglePay.

As long as you don't use the ability to use the card without authenticating on the phone. Google Pay allows this, not sure on Apple Pay. Do it that way and the same rules apply.

k_man

400ixl said:

Daliah said:

If you want to avoid this "feature", use ApplePay / GooglePay.

As long as you don't use the ability to use the card without authenticating on the phone. Google Pay allows this, not sure on Apple Pay. Do it that way and the same rules apply.

Do you know where this is set in Google pay?

Daliah

400ixl said:

Daliah said:

If you want to avoid this "feature", use ApplePay / GooglePay.

As long as you don't use the ability to use the card without authenticating on the phone. Google Pay allows this, not sure on Apple Pay. Do it that way and the same rules apply.

I don't know what authentication on the phone is - I have been spending several thousand a month on my Chase card through ApplePay, mainly via Curve and mainly on my AppleWatch, from day one and never got asked for a PIN