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People who don’t carry their bank cards with them

868 replies

Auburngal · 16/03/2024 14:19

I was in Sainsbury’s this morning and systems are down. No contactless, chip n pin taking ages to go through. Unable to buy gift cards, mobile top up vouchers.

Systems going down like this happen not very often but when they do it’s awful.

On the self scan next to me a woman screamed at the manager on why she can’t pay on her mobile.

Why do many people don’t carry their bank cards anymore? The cards don’t weigh much. Plus if the contactless payment system goes down, hopefully their card will go through via chip n pin. Also they won’t look like idiots either. No sympathy for these.

Regarding contactless payments- sometimes your bank, NOT the retailer etc asks you to do a CnP payment as part of security. “I dunno my PIN”. You can change your PIN to any number you want (not 1234, 1111) at any ATM under PIN services.

OP posts:
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ScarletWitchM · 16/03/2024 16:47

I hardly ever take my card and never have cash - I live in London and it’s almost never needed. I went to a Sainsbury’s local today, they said about the problems so I just went to Tesco instead - it’s easier in a big city to do this though and when I leave the city I do take my cards & a small amount of cash as I know it’s different

DinnaeFashYersel · 16/03/2024 16:46

@shoppingshamed

And?

And what?

katseyes7 · 16/03/2024 16:43

If you have a wallet type phone case you can take your card and your phone. All bases covered .
You don't even need a 'wallet type phone case'. I see a lot of my customers who keep their cards in the back of their 'wrap around' phone cover.

Waitingfordoggo · 16/03/2024 16:43

Not sure if it’s been sorted now, but there was a total IT failure at my local large Sainsbury’s earlier today, so they could only take cash (and the onsite ATM had run out of cash by lunchtime). I suspect most of us would have come unstuck in that scenario.

Fizbosshoes · 16/03/2024 16:43

This happened to me recently in tesco. Ypu couldnt oay via contactless (eg phone) but chip n pin was working.

I am a dinosaur and usually have a purse but even if I just take my phone, i have a card or cash (eg a tenner) in the case, I don't have to remember 2 things

katseyes7 · 16/03/2024 16:42

There is always cashback in shops.
Actually, there isn't. Tesco stopped doing cashback during the pandemic, and l was told that other supermarkets did too.
I don't know if the others have reinstated it, but Tesco haven't, unless you go to Customer Services and pay for something there. The checkouts can't do it.

DillDanding · 16/03/2024 16:42

If you have a wallet type phone case you can take your card and your phone. All bases covered .

The day I start using a wallet type phone case will be a cold day in hell. They scream OAP. Nothing wrong with being an OAP, but I’m not there yet.

Cornflakelover · 16/03/2024 16:41

I have a case on my phone where I keep some cash normally 100 quid in in twenties and my cards
I always have cash in my purse and car as well
I prefer to pay cash wherever I can

reluctantbrit · 16/03/2024 16:41

I have my debit and my credit card in my wrap around mobile cover.

For years I also had always at least £20 in cash with me.

DD has her debit card in her coat or if she doesn't take her coat she puts it in her mobile case.

And - if it was just Sainsbury which had the problem, the cash machines they normally have somewhere will still work and you can access your cash to pay for your shopping.

Kwasi · 16/03/2024 16:40

Weallnamechangesometimes · 16/03/2024 14:37

Contactless/phone pay requires Wi-Fi so if it's down/slow then often chip and still will still work. Contactless also can cause double charges because Wi-Fi goes down during the completion process (ie hold the first amount until the till completes the sale and if it doesn't complete it can take 48 hours to clear back to your account)

Contactless on the phone does not use wifi or data. It uses the same technology as the contactless chip on your bank card.

katseyes7 · 16/03/2024 16:39

I’m with you. Mainly because I work in retail and sick of people being dicks to me and my colleagues for things that are out of our control. Like what is happening in Sainsburys today.
This. I work on a checkout, and the number of people who just assume that they can always pay using their phone is unbelievable.
They don't realise that if their shopping costs more than a certain amount (I think it's £250) they can't pay with their phone. Or if the systems go down.
Or, in the situation where you've used your account a lot, you'll be asked to put your card in the card reader and pay using chip and pin. Which doesn't work if you don't have your card with you.
It's a security measure implemented by the banks. Annoying, but it stops your account being cleaned out if you happen to lose your card, it will only work contactless for a particular number of transactions.
We had a couple in our store at Christmas who had two trolleys full of food/drink, and assumed they could just pay using their phone. But their shopping came to nearly £400. Neither of them had thought to bring a credit/debit card with them.
We had to put their trolleys in the chiller while he went home for a card.
It's always the fault of the person on the till, though. Apparently....

mathanxiety · 16/03/2024 16:37

BashfulClam · 16/03/2024 16:20

its not half as bad as money. I never carry money and it’s never a problems the last time I carried it I lost £40 somewhere.

Shops and warehouses are full of cockroaches and rodents.

You don't normally see them in shops during normal opening hours, but they're there.

Take hand sanitiser with you and use it when you get back to your car, or as soon as you've parked your trolley. Wash your hands with soap and hit water when you get home.

Bearbookagainandagain · 16/03/2024 16:35

Welcome to the world, you have met a twat.

I have been using Google pay on my phone for 2-3 years and in that time I have issues twice out of hundreds of purchases I've made. One was today when trying to go to Sainsbury, they told me "cash only" at the entrance, I said "ok" and went somewhere else.

KimberleyClark · 16/03/2024 16:35

SBHon · 16/03/2024 14:23

Because why carry two things (card & phone) when you can simply carry one (phone). Currently, the amount of times contactless payment isn’t available is vanishingly small. A card isn’t necessary 99% of the time.

If you have a wallet type phone case you can take your card and your phone. All bases covered .

Gettingonmygoat · 16/03/2024 16:34

SoupDragon · 16/03/2024 16:22

Imagine being so disorganised you've let your car get that low. If you're that disorganised no way would you have thought to take cash out with you.

Being so low on fuel is not always about being disorganised, many people live pay day to pay day and don't have enough money to keep the car topped up. Some get to work and home again on the day before pay day on fumes. Not everyone has spare cash.

NoWordForFluffy · 16/03/2024 16:33

Gettingonmygoat · 16/03/2024 16:30

There is always cashback in shops.

They don't actually all do it now.

Iloveyoubut · 16/03/2024 16:31

Gwenhwyfar · 16/03/2024 16:30

I was replying to people saying we should always carry cash.

Don’t quote me then and reply to me! I was saying what I do.

Gwenhwyfar · 16/03/2024 16:30

Iloveyoubut · 16/03/2024 16:28

Eh, what? Are you replying to the right list? I’ve not said anything about anyone not using cash or cards or whatever.

I was replying to people saying we should always carry cash.

Gettingonmygoat · 16/03/2024 16:30

Gwenhwyfar · 16/03/2024 16:27

"Gettingonmygoat · Today 16:16

What is so hard about carrying cash? "

As I've already said - local banks and their cash machines closing down.

There is always cashback in shops.

mathanxiety · 16/03/2024 16:30

@Shopper727
Just want to thank you for the word 'crabbit'.

Iloveyoubut · 16/03/2024 16:28

Gwenhwyfar · 16/03/2024 16:26

It's a 40 minute round trip for me to the cash machine and I live in a city. All the local bank branches that had machines in them have closed. I think I can be forgiven for not always having cash on me especially as it's now the law where I live to be able to pay by card everywhere.

Eh, what? Are you replying to the right list? I’ve not said anything about anyone not using cash or cards or whatever.

Gwenhwyfar · 16/03/2024 16:27

"Gettingonmygoat · Today 16:16

What is so hard about carrying cash? "

As I've already said - local banks and their cash machines closing down.

PrimitivePerson · 16/03/2024 16:27

Picklestop · 16/03/2024 14:26

If the systems are down, how would having a bank card help? 🤷‍♀️. Using a phone and using a card is the same technology.

I've worked in places where contactless doesn't work on occasions, but chip and pin does. They work differently and independently from each other. I've ended up getting grief from people who only have their phones. That's their problem, not mine. There's a million and one more things to go wrong with phone based systems than card based ones.

Gwenhwyfar · 16/03/2024 16:26

Iloveyoubut · 16/03/2024 14:27

Totally agree, it’ll be a terrible day when we lose cash. I always carry it in a desperate attempt to try and contribute to keeping it alive.

It's a 40 minute round trip for me to the cash machine and I live in a city. All the local bank branches that had machines in them have closed. I think I can be forgiven for not always having cash on me especially as it's now the law where I live to be able to pay by card everywhere.

DillDanding · 16/03/2024 16:26

I haven’t carried cards nor cash for years now. I’ll risk systems being down, because it hasn’t happened to me as yet and if it did, it wouldn’t be a catastrophe. It’s an extremely rare event.

I am abroad at the moment and thought ‘I’d better take a card’ and it took me a day to find it!

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