Backup Card?

[kdm31091]

I think the scenario is very unlikely, but if it's going to cause you worry, I'd just carry a backup 

[wasCB14]

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@Anonymous wrote:

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@K-in-Boston wrote:

Apple Pay for me as well for points maximizing.  I recently moved to a slim wallet and in addition to a few of my Amex cards, I carry CSR and Citi Premier.  The only times I normally run into "no Amex" is when paying for parking at a meter or kiosk, and then in addition to not accepting Amex they also usually don't physically accept CSR due to its thickness and being rigid.

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My pocket decided to enter the wrong password into Samsung Pay 20 times, causing it to deactivate.  Fortunatly I had backups for what I needed (Square Cash debit + gift card stored on phone).    I always carry a physical card for when mobile pay isn't available but this reminded me I can't quite count on maximizing using a mobile wallet!

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And I'm too concerned my phone will fail (a bad battery or software bug) to go without at least one physical card...even if I know a merchant supports NFC for mobile payments.

[KLEXH25]

I think the scenario is unlikely, but not impossible. I carry most of my CCs with me though, plus a debit card. AND I have cards connected to my iPhone Wallet so Apple Pay is another option / backup if needed. 

[Anonymous]

I used to only carry a MC with AMEX, but recently started carrying a Visa as well. 

[Anonymous]

I carry all 10 of my cards. So my backups have backups. My backups to my backups have backups. It's not necessary to do this, but if you don't want to ever use a debit card, I'd carry 3 cards if one is an Amex. That makes it extremely unlikely that you would have to use your debit card. So if a merchant doesn't take Amex and your backup doesn't work for some reason (e.g. your backup hasn't  been used for a year and you find out the issuer closed the account when you tried to use it), your third card will work.

[Brian_Earl_Spilner]

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@wasCB14 wrote:

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@Anonymous wrote:

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@K-in-Boston wrote:

Apple Pay for me as well for points maximizing.  I recently moved to a slim wallet and in addition to a few of my Amex cards, I carry CSR and Citi Premier.  The only times I normally run into "no Amex" is when paying for parking at a meter or kiosk, and then in addition to not accepting Amex they also usually don't physically accept CSR due to its thickness and being rigid.

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My pocket decided to enter the wrong password into Samsung Pay 20 times, causing it to deactivate.  Fortunatly I had backups for what I needed (Square Cash debit + gift card stored on phone).    I always carry a physical card for when mobile pay isn't available but this reminded me I can't quite count on maximizing using a mobile wallet!

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And I'm too concerned my phone will fail (a bad battery or software bug) to go without at least one physical card...even if I know a merchant supports NFC for mobile payments.

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That's not outlandish. I've had a phone shut off and not turn back on for hours, for no reason. Had another phone that got fried from a car charger. And I can't even count how many times the battery has died before I could get to a charger.

[cashorcharge]

I carry a few options as I rotate my cards a lot so I always have a mix or Visa/MC/AMEX

Love Love Love Apple Pay (Apple Wallet) but fun fact....there is a max of 12 cards permitted in the Wallet App on your phone. 

Clearly they need some feedback from MF members that have several cards. LOL

[ccquest]

I carry my cards with me so I always have multiple back ups. Usually my fail scenario has historically been a gas pump though and then I'm just sitting there waiting for the pump to reset so I can try again when it doesn't read a chip properly.