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Non 'Contactless' credit cards are available!
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Perhaps a Challenger bank would be a better choice.
And thanks for trying to help.
Starling have the options as well, as do Chase as challenger banks. Neither do Credit cards though so you would need an option there if you don't keep that with FD.
No fraudster is going to go to the trouble & expense of buying contactless card scanning software & loads of blank cards just for the amount they may make. Even with the increased limit of £100 there is not really anything they can buy that will return a fast cash return.
Been dealing with contactless since they came out & the % of fraud on them is far less than normal Card not present fraud, from compromised details.
I get some people do not like them. That is their choice. So banks should offer a choice to customers. But it was customers that wanted contactless cards in the focus groups.
There's no need to be rude....
...... just because you " don't understand" !
It really is very simple.
A) Contactless allows money to be taken without explicit consent - similar to opening one's wallet and saying "take whatever you want".
I dropped a contactless card - which was then used twice within 15 minutes.
(By all means consider me flawed !)
In a restaurant, a waiter took my (unwanted contactless) card off the table and waved it without asking my permission.
B ) You say "minimal" hassle - for sorting out a theft.
The supposed time savings with contactless are negligible (2 to 3 seconds per transaction#).
To address the theft (above) it took 2 calls, together around 25 minutes to deal it.
"minimal" hassle ???
# A bar I used to use has gone cashless. Payments in cash that used to take around 15-20 seconds now take at least 20 seconds - often longer when staff have to wait for one (of several) pay device to be released by a colleague - then cannot get a signal.
C) Why should the rest of us pay (all-be-it indirectly) to compensate for contactless loss ????
How many Insurance Cos would compensate in full for theft from an open car or house door ???
(And if they did, what would next year's Premium be ?)
D) Banks are inconsistent.
Merely for viewing an Account online, 3 steps are now required.
In the same login session, for an amendment to a Payee detail or Reference, many banks require a repeat of one (or more) security step(s)....
...yet they are happy for cards to be debited with zero security.
It makes no sense.
Now please tell which theme I have written is a "myth".
We "luddites" (sensibles) could suggest that fans of contactless are reckless (or worse).
But instead, all we ask for is CHOICE.
B ) is definitely a myth, paying cash requires you to get change, paying by PIN requires you to insert the card, wait for it to wake up, enter the PIN, wait for it to process, remove card and put it away. Not 2-3 seconds. A contactless card or phone, you just wave and go. Same principle with say the tube, buy a ticket and use by hard, carry around an oyster and keep topping up or just use card. The bar example is flat wrong in my experience, till staff waiting to use a terminal is no different (and still quicker) than staff waiting to get access to a till to put away cash or the card receipt
C) You pay indirectly for people who transfer money in scams and the bank has to refund. You pay indirectly for people who aren't responsible borrowers and end up writing off debt. I pay indirectly for the bank to have to print two types of card to keep people like you happy. That is how finance works, it runs for the majority not the minority. Your insurance example is poor, leaving a car door open is not the same as a stolen card, it goes back to A) - the bank doesn't compensate you for you losing your wallet and your cash but, provided you were observing sensible precautions (like not leaving your card unattended) you will be compensated for the card thefts.
D) Your online example makes perfect sense access to an account gives a thief all manner of control, taking out funds, cancelling things etc. A card has a limit (which many lenders let you set) and can be blocked in a second using an app
All are myths, I wouldn't call you Luddites but you're certainly not a "sensibles"[sic]
You can turn off contactless on cards on many banks anyway