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My question to those of you who want their cards to be contactless-why don't you just use Apple or Samsung Pay? Isn't effectively the same without having to actually to pull out the card?
@Anonymous wrote:My question to those of you who want their cards to be contactless-why don't you just use Apple or Samsung Pay? Isn't effectively the same without having to actually to pull out the card?
The physical card can be easier when dealing with untrained cashiers who won't turn on the terminal if you try to wave your phone over it. And may be slightly faster at, say, London's subway/bus system.
@Anonymous wrote:
@Anonymous wrote:My question to those of you who want their cards to be contactless-why don't you just use Apple or Samsung Pay? Isn't effectively the same without having to actually to pull out the card?
The physical card can be easier when dealing with untrained cashiers who won't turn on the terminal if you try to wave your phone over it. And may be slightly faster at, say, London's subway/bus system.
Thank you, makes sense.
I thought contactless (in terms of being embedded on the physical card) was one of those things that really never caught on and thus is rarely seen. The only card I have/had with it was the BJ's Mastercard from Comenity.
I would expect mobile payments are the "new version" of the contactless tech instead of using the physical card. I really don't find it troublesome to just insert/swipe the card, so I haven't done the mobile payments, but seems to be the wave of the future.
@kdm31091 wrote:I thought contactless (in terms of being embedded on the physical card) was one of those things that really never caught on and thus is rarely seen. The only card I have/had with it was the BJ's Mastercard from Comenity.
I would expect mobile payments are the "new version" of the contactless tech instead of using the physical card. I really don't find it troublesome to just insert/swipe the card, so I haven't done the mobile payments, but seems to be the wave of the future.
I would use it, if I could. I used to have Contactless, but switched to Dual Interface. I didn't realize that since a lot of merchants are disabling chip usage for now, that it would also disable my Dual Interface American Express card.
@Anonymous wrote:My question to those of you who want their cards to be contactless-why don't you just use Apple or Samsung Pay? Isn't effectively the same without having to actually to pull out the card?
That won't work on my dumb flip phone.
Fuel Rewards MC has it, although I haven't used it myself.
@Anonymous wrote:My question to those of you who want their cards to be contactless-why don't you just use Apple or Samsung Pay? Isn't effectively the same without having to actually to pull out the card?
The locations that have terminals to accept Contactless often are able to handle ApplePay as well. Not everywhere, but McDonalds, Bartells, and a local grocer can handle either.
Thanks for the reminder. I need to try my Apple Pay at the office cafeteria next to see if that works as well.
The advantage with using ApplePay is that my $1,500 Freedom card with the 10 points per swipe could be used for those $2.16 coffees, Freedom has no Contactless capabilities on the card itself.
@NRB525 wrote:
@Anonymous wrote:My question to those of you who want their cards to be contactless-why don't you just use Apple or Samsung Pay? Isn't effectively the same without having to actually to pull out the card?
The locations that have terminals to accept Contactless often are able to handle ApplePay as well. Not everywhere, but McDonalds, Bartells, and a local grocer can handle either.
Thanks for the reminder. I need to try my Apple Pay at the office cafeteria next to see if that works as well.
The advantage with using ApplePay is that my $1,500 Freedom card with the 10 points per swipe could be used for those $2.16 coffees, Freedom has no Contactless capabilities on the card itself.
Im I reading this right that there's a min points on Freedom? Is that unique to Freedom? I never knew. Very interesting.
Note: I'm a female who carries a backpack to work and not a separate purse. When I do carry a purse, I don't like a big one and I really prefer to just stuff what I need into my pockets.
For me, the issue is beyond juggling which card to use for which type of purchase depending on rotating categories, current goals, etc., thinking about where accepts Apple Pay just adds another layer. It may just be me, but the car I got last year with push button start (don't need keys out) and being able to pay with a phone, while I love them...it's a lot of juggling and trying to come up with a routine for what to carry when and how, and what I need to move from backpack to pocket or purse after work. Ugh. I'm constantly looking for things or having to go back for things. Or starting to walk away from the car and realizing the key is in it.
Even remembering which stores now have chip readers and which you still swipe (we're about 50/50 around me) is a pain.
I ALMOST long for simpler times. Almost. (And I almost never think to pay with my Apple Watch, which I thought was one of the coolest things about it initially.)
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:My question to those of you who want their cards to be contactless-why don't you just use Apple or Samsung Pay? Isn't effectively the same without having to actually to pull out the card?
The locations that have terminals to accept Contactless often are able to handle ApplePay as well. Not everywhere, but McDonalds, Bartells, and a local grocer can handle either.
Thanks for the reminder. I need to try my Apple Pay at the office cafeteria next to see if that works as well.
The advantage with using ApplePay is that my $1,500 Freedom card with the 10 points per swipe could be used for those $2.16 coffees, Freedom has no Contactless capabilities on the card itself.
Im I reading this right that there's a min points on Freedom? Is that unique to Freedom? I never knew. Very interesting.
Note: I'm a female who carries a backpack to work and not a separate purse. When I do carry a purse, I don't like a big one and I really prefer to just stuff what I need into my pockets.
For me, the issue is beyond juggling which card to use for which type of purchase depending on rotating categories, current goals, etc., thinking about where accepts Apple Pay just adds another layer. It may just be me, but the car I got last year with push button start (don't need keys out) and being able to pay with a phone, while I love them...it's a lot of juggling and trying to come up with a routine for what to carry when and how, and what I need to move from backpack to pocket or purse after work. Ugh. I'm constantly looking for things or having to go back for things. Or starting to walk away from the car and realizing the key is in it.
Even remembering which stores now have chip readers and which you still swipe (we're about 50/50 around me) is a pain.
I ALMOST long for simpler times. Almost. (And I almost never think to pay with my Apple Watch, which I thought was one of the coolest things about it initially.)
Keep in mind that myFICO is probably not a representative sample of the general public. Most people seem to only really use a debit card, or maybe 1-2 credit cards at most. In that context it's much easier to remember to use Apple/Android Pay.
The bigger issue is that people aren't really demanding that stores support it. Which means that stores are turning on chip without turning on contactless, which means that people don't see the point in using it. The only real advantage right now for in-person domestic transactions is that they might be faster if the store supports chip, which has a good chance of eventually not happening that often thanks to Visa's attempt to speed things up.
On the other hand, if that rumor of Apple supporting Apple Pay for any online store pans out...