People who don’t carry their bank cards with them

Exactly, that's called being prepared and responsible.

Always carry mine, would nearly panic if I didn’t have it on me, also almost always carry a small amount of cash (50) just for emergencies, can’t stand the thought of being somewhere and not being able to pay

Because we need them to pay for things.

Have you read about how easy it is to steal a car with a keyless entry system? And people entrust their house and everything it contains to the same utterly unfit for purpose technology? The mind boggles, it really does.

Until it fails, then your fucked like the folk in Sainsburys today.
Is a key really so heavy and cumbersome that you can't carry it, or a bank card for that matter

I'm just amazed at the level of blind faith people put in technology to do everything, and how utterly screwed they are when it goes down for whatever reason. I never put myself in that position.

@ZetuianRose Yes, but contactless can fail and chip and pin can still work. The company I work for is public transport. I've met loads of people who only have a phone and then can't buy tickets, and give me loads of abuse for it, because they haven't got any other methods of payment.

I'm sorry, if that happens, it's not my fault, it's yours. And having no idea where your bank cards are is honestly ridiculous.

I’ve never regularly carried my bank card, even pre Apple Pay. Often I’d simply be in a position where I couldn’t buy anything unless I knew I may need to and therefore took cash or card with me.

I don’t even know where my bank card is right now. I don’t like handbags, I use pockets. I have MANY coats. I cannot be arsed moving my card around all the time, and when I do, it inevitably ends up disappearing anyway. I’ll find it six months later.

What business is it of anyone else if I end up in a position where I can’t pay for something and have to leave it behind?

for what it’s worth, my contactless (apply pay or otherwise) has NEVER declined and asked for a PIN. Not ever. Not even once 🤷🏻‍♀️

Sainers tills went down the other year and that’s the only experience of that happening I have come across as well, and having my card on me wouldn’t have helped.

soooo MYOB? 🙃

Well, as someone who regularly deals with the public and gets stick for when contactless is down but chip and pin still works, there's a lot of fuckwittery about, and being irresponsible enough to not have a suitable method of payment on you is quite fuckwitted.

They don’t need to wave it about. You press the button and hold it over the card reader. You have encountered a problem with one fuckwit, not a problem with device payment.

Well, in 35 years of being a functional adult, I've never lost a bank card or had it stolen. In 15 years of using a smartphone of some kind or another, I've lost count of the number of times it's crapped out on me, crashed, run out of juice, lost signal etc. I know what I'm going to trust.

Then they should get their finger out and stop waving the damned phone about especially if they've also fannied about finding their Lidl whatsit before paying.

What happens if it breaks/stolen/runs out of power? What happens if your purse or handbag is stolen? Also, if I’m going anywhere more serious than the corner shop or local cafe then I do take my purse with me. As yet I’ve not needed to use a card in a long time.

As for the person who has a digital lock on their house - are you absolutely barking mad?

Honestly, I'm amazed at how many people only have a phone or a watch as payment methods and absolutely no backup whatsoever. What if your phone breaks/is stolen/runs out of power? It seems absolutely extraordinary that people don't have any other means of paying for things on them at all, and to me that's the height of irresponsibility. You're going to get massively unstuck sooner or later, so don't come crying to me when you do. To me, relying completely on a phone would feel as stupid as going out with no shoes on.

I stopped using cash ages ago as well, and do all my spending on cards, but chip and pin is generally more reliable and has less downtime than contactless, and I can get cash whenever I need it.

wasnt the same but i got caugt out wen the machine said it needed my card to verify its a random thing apparently

so still got my cards with me now

This happened to me in Tesco a few weeks ago. Apparently the same had happened nationwide but it wasn't reported the way that Sainsburys was today.
Anyway, I luckily did have a card on me but couldn't remember the pin for it! I had to login to my app and do a face detection just to reveal it. There was a huge queue behind me, it was utterly mortifying! Massive wake up call!

100 quid in case I can’t use my card for my food shopping? Sounds normal.

I don’t carry my card, unless I know I’m over the contactless limit. But if the system went down or my phone didn’t work then I would know the issue was mine not having my card and I wouldn’t be anything other than accepting towards the workers.

In response to “Why doesn’t everyone carry around large amounts of cash in case of IT failure?”

1. They don’t have lots/any spare cash so have to make sure they have enough in their account to pay for bills etc
2. They live miles from an ATM so can’t keep topping up their stash

I’ve used Apple Pay exclusively for the last 8 years, including outside the U.K. In all that time I have never once been asked to put in my pin or had a transaction declined.

Yes....... there's no "still" about it .

Yanbu people should also always carry ID on them

I don't trust paying for anything on my phone cos its too easy to unlock phones.... So I'm with you OP, take your back up just in case!

Loads of shops still accept cash?!

Not sure what your point is? I don't know about McDonald's but Sainsburys and Tesco used the same system, which went down on one day.

I haven't carried my card regularly for a couple of years and can only think of one occasion it's been an issue. If Im going on holiday or away from home for any length of time I'd take it just in case but otherwise I'll stick to just carrying my phone.