People who don’t carry their bank cards with them

[Auburngal]

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.

Those cases appear to be more a matter of police procedural errors and the compensations awarded are definitely because of police procedural errors.

The police should know what laws they are arresting people for and if they don't know, they should seek advice from a senior officer, not just make it up as they go along!

My post wasn’t in response to you…….?

My kids do this. My daughter phoned the other day to tell me she couldn’t get the bus as her bus app had logged out so she couldn’t access her bus pass and couldn’t log on to use her Apple pay either. No purse, no cards, no cash so she was stranded!

And who is it that you think cares where you are or what you talk about? 😂

No one is actively tracking you or listening to you. However collected data can be used to target ads at you, or calculate the traffic for you on your regular routes etc.

I worked checkout when paying by watch first came out. The number of idiots who didn't bring a card, we didn't accept watch payments, apparently it was my fault they had to go home and get a card. Also re PINs DH and I use a system of two numbers the same for every card ie 12 then the last two digtis of the card reversed. So each card has a unique number and we don't need to write them down.

Often cards work when a phone app doesn’t. TFL do still provide physical tickets but you need cash or a card to buy them ..contactless doesn’t work on ticket machines. Anyway just because you haven’t had a problem it doesn’t mean it doesn’t happen ! Anyway this is pedantic…l stick by my point , what’s the big inconvenience to bringing a card ?

We’ve already covered the point that phone payments are not an “app”, don’t require signal and if they won’t work, neither will the card.

TFL need to update their ticket machines if they don’t take contactless. That’s very rare these days. I wouldn’t know as I never use them!

For me personally it’s an inconvenience because I don’t have my card with me all day every day like I do my phone, and I hate bags so I don’t carry them. Therefore I have to play “hunt the card” through my coat pockets and, frankly, I CBA. It causes me no issue or inconvenience to use my phone, so why do you have such a big issue with it? Even if, one day, it doesn’t work, that’s my problem, not yours….

phone payments are not an “app”, don’t require signal and if they won’t work, neither will the card.

But it will. Chip and pin works when contactless doesn’t.

Contactless works on many ticket machines regardless if you use your phone or a bank card. Also says that they accept contactless as payment on the TFL website. I’ve also used my phone at the tube gates to pay by card and for mobile tickets.

There are pros and cons to both cards and phones. They are back-ups to each other however, ime people are more protective of their phones and notice it missing compared to their bank cards. Plus, if someone gets ahold of the bank card, they can use it without needing the pin. Many people have pins and ids for their phones so if someone does find it, they have to either know/guess the pin or reset it where the apps and cards information is deleted and the phone can become theirs depending on the phone. In some phones, guessing the pin wrong too many times will make one wait a certain amount of time before they can enter another in. Obviously different if someone outright steals someone’s phone while they have it open.

One of the hospitals near me doesn’t take card payments on their pay n display machines. I find that bizarre that they don’t take cards. Yet the main hospital takes cards - they take payment before you leave.

There is a cash machine and change machine in the reception in the first hospital. It has caught many people out

Not if the system is down it won’t. If the retailer is having issues with the machines it’s cash only. The only other instance (which is increasingly rare now) is places without contactless technology at all. Other than that there’s no reason why contactless wouldn’t work but chip and PIN would.

Erm because this has literally never happened to me before so why would I bother carrying extra stuff if I didn't need to. I think it's obvious why people don't carry cards, for the exact reason that Apple Pay etc was invented

l work in a London underground station all day and believe me cards often work when contactless on a phone doesn’t and vice versa. Personally, l always have a plan B .

I’m very sorry but you’re wrong. I was in Tesco one day when this happened. No phone payments were possible and people were being turned away from checkouts. Because I’m old I had my physical card and paid using chip and pin. I know it happened so I don’t care whether you believe me or not.

I doubt it would only be phone payment they were refusing, as if it couldn’t take phone contactless then unlikely it was taking card contactless either.
Also too few and far between to be any kind of real inconvenience. I’ve come across one instance of system outage at a supermarket and that was all cards full stop, which is more likely that just the contactless falling (I can’t see how that would happen across multiple card readers, it is usually their connection that fails which means card processing can’t happen regardless of PIN or not).

Either way, if one shop is down the one down the road will still be functioning as normal. No biggie.

For me the worst that will happen is I can’t get my milk and wine, not sure it warrants a plan B 😂

I doubt it would only be phone payment they were refusing, as if it couldn’t take phone contactless then unlikely it was taking card contactless either.

Exactly. That’s why it was chip and pin. 🙄

Device payment and contactless are exactly the same thing. If one works then so does the other.
Chip and pin is different. There is a chance that chip and pin will work when contactless is down for some reason.

However if the problem is something like no electricity then neither will work.

Post said “phone payments” 🙄

Me! I use cards because I never remember my phone.

Thank you.

Love a SatNav, but never rely totally on one, simply because they are seldom up to date, do not take account of flooding for example, and do not seem to know about minor roads that can save miles. I use the Bedford by-pass, and after some 20 years, it still tells me to take next left and cross the roundabout, where there is a flyover and still tells me I can turn right into Tempsford to get to Roxton

Happens all the time at my Tesco, but it is because there is no phone signal

Assume you mean for the card terminals? No phone signal wouldn’t affect payment via mobile phone eg Apple Pay.

Seems odd that it would go down so often, I’ve only ever come across one major outage (Sainsbury’s) and one very short one (Home Bargains) which was entire card system so they were both cash only at the time.

You don’t need a phone signal to make a card payment using a phone. The chip in the phone that makes the payment is exactly the same as the chip in the card.