People who don’t carry their bank cards with them

I’ve used Apple Pay exclusively for 8 years. I’ve yet to be asked to put in my pin.

You can't with the cheapo non cellular version that most people have unfortunately, phone has to be within about 10m

My youngest just use their phones most of the time. I always have my cards in my handbag and don't use any kind of phone app to pay and don't even take my phone out of the house when I go shopping!!!! I also always have a lot of cash too and often use that in supermarkets although today in Waitrose the only 2 tills that take cash had huge queues so I gave in and paid by card on self checkout.

If the 'system goes down' phone, card, CnP and contactless payments are all rendered useless.

Your question should be: 'Why don't people carry cash on them.'

Cash really is king! 👑

I don't have a mobile phone, so always carry my card.

You're supposed to carry your bank card.

Says who ?

Even easier to just wear my watch. I always just carry my watch when I go exercising, no phone or card.

Easier to carry a tiny card than a phone

You're supposed to carry your bank card. I use wallet pay all the time but you can still be asked by your bank to use chip & pin. Happened to me yesterday.

@Auburngal I rarely carry a purse, let alone a bag to carry my phone and a purse. My phone in my pocket gives me everything I need 99%+ of the time. It’s convenient for me to do this. Everything I need is in my phone. Aside from yesterday, how often have you been a shop where customers couldn’t pay with a phone? The woman shouting because she couldn’t pay was being ridiculous and inappropriate.

I like to live my life full of risks.

In all seriousness why would I carry a bank card around, it’s just another thing for me to lose. I use Apple Pay for everything and have never had an issue.

I don’t always. I’m partially sighted and it’s easier to use my mobile

I always carry my handbag if I’m actually going shopping as the main purpose of me leaving the house. In fact I take my handbag everywhere except work. I don’t take it to work as I carry alot of other things with me and it’s something else to lose/drop/get pinched. I do occasionally pop to the shop on my way home from work though - if I’ve suddenly noticed I’m on empty for petrol for example or if we urgently need something. So on those occasions I’d expect to pay on my phone. However if the systems are down then I’d just go home and get my card if it couldn’t wait. I’d not be rude to anyone.

Last week it was macdonalds as well as sainsburys who couldn’t take orders using cards - so a card wouldn’t have helped on that scenario. On entering I was told cash only, however on asking found I could pay via the macdonalds app so the was helpful. I did have my handbag and cards with me though, but it wouldn’t have helped if I didn’t have the app.

I also know some banks allow you to get money out of the cash machine without your card. Sadly not mine. I took the kids out for the day a few years back and realised on arrival on the city we didn’t have my handbag and therefore my cards or cash. We spent the day seeing how far we could get on Apple Pay. The only place I struggled was where I parked my car - you pay on exit and I’d wrongly assumed they had contactless but didn’t. But it was rectified when I went to customer services at the venue and offered to pay them for a ticket - they couldn’t accept as they don’t own the car park machines - but they did offer to give me a free exit ticket usually reserved for disabled guests who need something to pop in the machine at the barrier.

I don't use my phone for payments, usually a card or cash in local corner shop. My son took us out for lunch yesterday and his mobile locked (GD trying to download game). My poor DiL ended up having to pay unexpectedly, fortunately she did have her phone.
I'd rather carry a card than a phone as fits better in my pockets - and I'm over 70!

You don’t need a signal on your phone. It works using a nfc chip, exactly like the one in a contactless card. (Not to be confused with the chip on the card which is for chip and pin.)

Me too. And when there’s no signal.

Actually, I am getting used to having to carry cash again as the EU city I am now living in has a few places still cash only, and apparently outside the city, a LOT of places are still cash only.

But I tend to have a notebook and pen, tissues, proper wallet etc with me all the time, just some of the things I do to always be prepared for most normal eventualities that might occur.

Who is the one looking smug?

Imagine being told you could only use cash, and having the rather smug expression on your face captured on an ATM CCTV as it told you it was out of cash, or the network was down ?

Well I can. I suspect not many here could.

There are two situations here. People who leave the house without their bank cards - like a lot of people on this thread including me.
People who are twats and act like complete dicks to shop staff.

Despite what you seem to believe they are not all the same people, unless you believe that every single person on this thread who has said that they don’t tend to use cards is also a twat. I’m not saying that some people who don’t use cards aren’t twats, but then they exist in every group of people.

What about the people who get shitty with staff when they don’t take cash?

Once again, no it isn’t.

Those sorts of people would throw abuse over anything.

Well, given that I'm on the receiving end of abuse over this quite regularly because people basically leave the house unprepared for events which are pretty likely to occur, then yes, it's highly relevant.

No it isn’t, but good try.

Yep. I have spent £2000 using my watch.

Yes, it is!!!