To not be able to fathom this scummy behavior?

[Thisnamechanger]

Fuming....venting....ranting...

Dropped Debit Card at 6.45am... 4 contactless payments done on it by 7.30.

WHY

Last time I was going to get money out the previous customer had left money in machine, I took it into bank

I felt weirdly violated though

Same

I just looked at the account - two of the payments were made in succession at the same shop Worth reporting as shop keeper may remember??

Actually scratch that, the police won't do anything even if I get a picture of the person.

Also it's in a dodgy part of town I hate going to

There used to be a contactless limit. They removed it.

My friend got her bank card stolen on a bus, but didn't realise. The people were caught on CCTV, but the police weren't interested.

They brought takeaways, two games consoles online, some of them game add-ons worth £265 and some other things. All delivered to an address miles away from where she lives. Police refused to check out the address as 'it was probably a fake address'

Bank were great though, she got her money back almost immediately, new card. Still makes her so angry when she thinks about it!

Hamandcrispsandwich

That's shocking - that makes me SO furious. It's hardly a homeless person buying a sandwich with it is it. Fekking game consoles, my life

I was so angry on your behalf OP and today my purse has been stolen and I’m absolutely fucking raging! Where do the scummy cunts get off doing this shit?!

I love contactless but use it on Apple Pay rather than use my cards because it requires my thumb print to pay and also theres no limit on Apple Pay rather than the £30. If I lose my phone no-one else can use my cards (but they will have my phone!).

But people are scum I agree.

Never thought about taking the security code off the cards either, that's not a bad idea to avoid bigger frauds.

because it is opportunity

and the bank will refund you.

i've had two people in my life who were my best friends, one related and one an ex who stole 1k and 6k from me within the last 2 years

At least this person was a stranger and as i said you will get it back.

Get over it. Its not personal.

Bank were great though, she got her money back almost immediately, new card.

Right. So the question is: what do we want?

At the moment, we have payment schemes which are moderately insecure, and a regulatory framework which means that you're compensated reasonably quickly. A system which is more secure at the point of use will be one or more of slower, more expensive, more complex or less flexible. It's a decent trade off.

If you want a substantially more secure means of payment, leave your cards at home and carry them on your phone with Apple/Android Pay, particularly Apple Pay. So long as you are even vaguely sensible with your phone, it's massively more secure than any other means of payment. You'll have to make sure you have a powerbank in case the battery goes, but it's currently the best option.

Otherwise, something less secure and you get a refund when you lose your card. I've lost cards twice in thirty years, plus had online fraud (a load of 10000 rupee transactions on an Amex Card) once. Each occasion I got an instant refund. I like those odds, for the convenience.

I'm with Santander and can do more than that a day but I also use Apple Pay and with that there is no limit on contactless with the iPhone I recently paid £150 by Apple Pay simply using the finger print on my phone, don't know if any different for contactless but I've spent up to £100 in a few diff shops before.

Okay, so I was in Santander this alvo and asked the girls at the counter to settle an argument.

They said with Santander cards, it's definitely more than 3 contactless transactions but they didn't think more than 5.

@Butchyrestingface it's defo more than 5. I use mine 4 times on 4 busses, Once in my local shop daily, then where ever I go last week I went into 8 different shops as well as busses I just tapped it each time

@Butchyrestingface it's defo more than 5. I use mine 4 times on 4 busses, Once in my local shop daily, then where ever I go last week I went into 8 different shops as well as busses I just tapped it each time confused

Hmmm. There had better be a bloody limit. Otherwise I may have to shift money around.

I use mine 4 times on 4 busses,

As I said upthread, buses aggregate the transactions, so any number of bus journeys in one day is one transaction as far as your bank is concerned (unless there is a very weird solution in use somewhere). The bus needs to be able to accept fares when out of mobile phone coverage, it needs to be able to deal with things like "unlimited travel in the hour" which would otherwise require it to know, online, whether you had paid another fare within the last hour.

For the underground, knowing when a journey finishes is even more complex, thanks to such delights as "Out of Station Interchange" (if you were to travel from Angel to Great Portland St by walking from Euston to Euston Square, that is only one journey).

TfL resolve all this by aggregating all your travel for the day, working out the fare, capping it and then charging you late at night.

*i've had two people in my life who were my best friends, one related and one an ex who stole 1k and 6k from me within the last 2 years

At least this person was a stranger and as i said you will get it back.

Get over it. Its not personal*

Are you telling me I legit shouldn't be pissed about this because YOU have shitty taste in people?

I have had my card cloned in the past (about ten years ago) and the fuckers withdrew and spent about £500 in a day. All done in small amounts to "avoid detection".

I noticed when I went to pay for something and my card was declined.

I got the money back within a couple of days but I can still remember the anger and worry it all caused.

Some people are just absolute arseholes.

I hope whoever used your card chokes on whatever they purchased. Hopefully they will get caught one day as I doubt this will be the first or last time they have done this to someone.

This sort of thing always concerns me about contactless as they get at least a few hours of going around spending below £30 at various places. I am with Lloyds and I don't think there is a limit for how many times I can use contactless in a day.

I think that poster was saying it was a random opportunistic act by a stranger and not a truly shitty act of betrayal by someone you thought close to you. So, yes, a sense of perspective about a random act of low level theft / criminality

(that was in response to OP’s last post)

I am sorry that happened to you.

But, just use chip and pin! It doesn't take THAT much longer! Several banks/credit card companies will give you a card without the chip.

selepele Came back to say sorry, that was unkind.

That sucks Op 😡, we just had someone use our bank info to buy an iPhone. Not a stolen card, looks like an undisclosed data breach from a company holding our info - lucky we spotted it.

I found someone’s card at the station a couple of nights ago and took to a staff member in the hope the owner might come back looking for it. Didn’t even think about easy it would be to have at it with their contactless, I suppose someone could already have done that and then got rid of it. Hope not!

There is a £30 limit contrary to what others have posted if you're just posting contactless without the need for a pin. Anything over this and you might be able to use your card contactless but will also have to key your pin in.

www.bbc.co.uk/news/business-34110348

I'm not aware of there being a limit in the number of transactions that can be paid contactless in a day. I'm with Santander and if I've been on a night out I might isn't used contactless ten times between paying for food and rounds of drinks.