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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

Not to want a debit card with contactless technology?

71 replies

Molehillmountain · 31/08/2012 08:58

Had my bag taken earlier in the week and have just had replacement card with contactless technology. I don't feel all that comfortable tbh. Within twenty minutes of being stolen, my previous card had been used (although the payment was refused). Aibu to think this would just make it easier and more attractive to steal cards? Or am I just jittery after the events earlier in the week?

OP posts:

LurkeyLurkerson · 31/08/2012 09:03

Yes I was a bit when I sae the advert for them. How do they work? Surely theirs a chance you can accidently buy something?

Sorry to hear about your bag. Hope you didn't have too many things taken.

JumpingThroughMoreHoops · 31/08/2012 09:04

whispers in a small voice

I don't understand

squeakytoy · 31/08/2012 09:04

I think the limit is £15 per transaction, and if there are more than 2 or 3 transactions in a short time, it is cancelled automatically, but yanbu for being worried about it though.

WowOoo · 31/08/2012 09:07

I had a new card in the post yesterday.
My limit is £20.
I don't really like the idea either.

The letter with mine said only a few companies accept it at the mo anyway -McDonalds and Costa coffee were the two I can remember.

nancy75 · 31/08/2012 09:07

I have had one for ages, the only place I have ever seen that has the contact thing is mcdonalds, and it never works!

WowOoo · 31/08/2012 09:08

Forgot to say sorry about your horrible experience and of course you must be feeling very jittery. How was your bag taken?

Sossiges · 31/08/2012 09:09

I wouldn't want one either YANBU I think it's a crap idea

flyoverthehill · 31/08/2012 09:12

As you've said the limit is £20, I think its the banks that don't actually trust the technology, and this is their way of testing it. I wouldn't want one.

huntersmum · 31/08/2012 09:15

The limit is £20 per transaction, and at the moment it is only live in fast food places eg pret a manger, McDonald's. After a number of transactions you will be asked for your PIN to verify you are the cardholder so the opportunity for unauthorised transactions is lImited.I have used this technology and tbh I dont think it's that much quicker than chip and pin!

cozietoesie · 31/08/2012 09:17

If you get one - and you may not get much choice in the future - make sure you have a RFID wallet or similar protection against casual hacking.

SirBoobAlot · 31/08/2012 09:17

I didn't like the idea but to be honest, so few places are accepting it right now, with a limit of £15 / £20 that there's no real reason to worry. I've used it in Nero's twice, I think, and that's it.

Sorry about your bag though.

NiniLegsInTheAir · 31/08/2012 09:20

Sorry about your bag. I was mugged several years ago and the experience has never left me.

YANBU about contactless cards. I didn't know mine was even activated until a cashier in Costa suggested I try it. Was really not impressed with Barclays for that! Now they keep trying to get me to take up one of their Paytag things. I DON'T want one. I can remember my pin, why would I need one?!

huntersmum · 31/08/2012 09:22

This technology is also being rolled out to mobile phones. - google Orange Quick Tap. If you can load your phone with £150 to spend surely this makes phone theft even more attractive, even though purchases are still limited to £20 per transaction.

wannabedomesticgoddess · 31/08/2012 09:23

When £20 might be all you have left I think people are right to worry.

TBH I can see myself having a bank account for DDs only and using the mattress to store the rest. I hate the thought of these cards.

So YANBU.

We soon wont be given a choice which is

Toombs · 31/08/2012 09:24

It's not vastly different to what we do now, you just don't have to push your card in the slot anymore, it's the same technology used by TFL for the Oyster card. You can't accidentally buy anything, you have to touch your card on the reader in the shop after the cashier has rung through the sale just like you do now. If you touch the card on the reader without it being ready nothing will happen.

Coming soon is NFC where your credit card is embedded in your phone.

StaceymReadyForNumber3 · 31/08/2012 09:26

I don't want one either YANBU! Def easier for theives even if it is only £20 it's £20 more than them stealing my card now and not knowing my pin!

Vagaceratops · 31/08/2012 09:27

£20 is a lot of money to some people, and 3x£20 is almost all of our weekly shop at the moment, so I can see why it worries a lot of people.

I noticed that at the Boots self-serve yesterday there was an option for contactless.

StaceymReadyForNumber3 · 31/08/2012 09:28

toombs but there doesn't have to be any indication that it is you doing it, that is what makes me uneasy with it! And as for the mobile phone thing, it's just one more thing to shove on a phone which could invariably go wrong

Sparklingbrook · 31/08/2012 09:28

The only place you can use it round by us is the local National trust house gift shop.

peanutMD · 31/08/2012 09:36

I for a new debit card through two days ago as my old one is about to expire and I noticed it has contactless technology which I don't like the idea of and will not be using! I hadn't been asked and didn't even know HBOS did it tbh.

YANBU

Toombs · 31/08/2012 09:36

StaceymReadyForNumber3 There is an indication, the light on the reader goes green and there's an audible tone. It's a very secure technology. On phones we are at an interim stage, the phone is really just pretending to be a card, when NFC properly comes out the card is associated with an account on your SIM rather than the phone meaning that you can do high value transactions by entering a pin on the keypad when requested, another bonus is the account can be suspended remotely so if your phone is stolen you can cancel it immediately, this works even if the sim is swapped into another phone and if the phone is switched off the NFC doesn't work.

Long winded but it's what I do for a living.

hedwig2001 · 31/08/2012 09:38

I like mine. Use it on the M6 toll road.

pumpkinsweetie · 31/08/2012 09:42

Yanbu, i wouldn't want one either!
Even £20 is a lot to me, wouldn't want to risk my money being stolen.
I think the technology is extremely iffy tbh especially after watching something on daybreak about it a while back.
Phone the bank and request a normal debit card to be sent out

StaceymReadyForNumber3 · 31/08/2012 09:42

What I meant toombs is with no signatory/pin it could be anybody using it, not you. I know that it will ask for your pin intermittently but that could still let somebody get access to some of my money that they wouldn't have been able to otherwise.

And the phones still make me uncomfortable, we already load up far too much of our lives onto one piece of technology in my opinion.

Toombs · 31/08/2012 09:46

StaceymReadyForNumber3 The low value transactions are protected, you can easily dispute them. Remember it's not your money, it's the credit card companies. They had to agree to the low transaction dispute before it could be rolled out. Load up your life in one place? No different to losing your purse and much easier to replace.

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