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Capital One will now issue contactless cards by default

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DaveInAZ
Senior Contributor

Re: Capital One will now issue contactless cards by default


@kberly69 wrote:

I was just approved for a QS this weekend. Don't have the card yet, but I'll let you know when I do.


It might be worth a call & make sure they send your the contactless card.

Message 11 of 57
Gollum
Established Contributor

Re: Capital One will now issue contactless cards by default


@Anonymous wrote:

https://www.nerdwallet.com/blog/cred...s-contactless/

 

Anyone get one yet? How is it working for you?


Capital One is a participating bank for Android Pay

https://support.google.com/androidpay/answer/7351835?hl=en&ref_topic=7351519

so any Capital One credit card should already be compatible with NFC (Near Field Communication)

https://en.wikipedia.org/wiki/Near_field_communication

via Android Pay on an Android smartphone.

Edit: By compatible I meant the details can be entered into the Android Pay app, then Android Pay can be used on a smartphone to pay via NFC.

 

I like using Android Pay because of the convenience and the security, but paying via NFC is still a relatively new payment option, so its availabilty at the payment terminal is sorta hit or miss.

Credit Scores: (FICO 8) 846 Experian April 2024, 844 TransUnion March 2024 | (FICO 9) 849 Equifax April 2024
Credit Cards (newest to oldest): NFCU VISA Platinum $25,000 | BECU Cash Back VISA $10,000 | American Express BCE $9000 | Simmons Bank VISA $7500 | Capital One Quicksilver VISA Platinum (PC/upgrade from No Hassle Miles Rewards VISA Platinum) $500
Message 12 of 57
Anonymous
Not applicable

Re: Capital One will now issue contactless cards by default

Will Platinum MC's (unsecured/secured) also be reissued in contactless versions?

Message 13 of 57
Dalmus
Valued Contributor

Re: Capital One will now issue contactless cards by default

So now people with Capital One NFC cards will have to make sure they keep their cards in one of those metal "safe" card holders so they don't have to worry about thieves walking around casually scanning wallets and purses to grab CC data?

I haven't used NFC for payment (I root my phones, so Android and Samsung pay disable themselves "for my security"), but my security basey is recognized ascot 3-4 inches from the scanner... If the cards will work the same way, won't that make card cloning even easier?

NFCU MR: $25K | Venture: $21K | Amex ED: $18K | NFCU CR: $18K | Amex BCE: $15K | IT #1: $17.5K | PNC Core: $15K | PPMC:  $12K | Wells Fargo: $11K | Savor: 12K | Cap1 QS: $8.5K | Barclays Rewards: $7.75K | IT #2: $7.3K | MLife: $9.5K | Sportsman's Guide: $8.7K | PenFed PR: $5.5K | Elan Plat: $2.3K | TRV: $3.6K | BotW: $3K


Current FICO 8 Scores: EQ: 828| TU: 805 | EX: 814


Message 14 of 57
Anonymous
Not applicable

Re: Capital One will now issue contactless cards by default

How would that even work, given that the entire point of contactless technology is supposed to be to make card cloning more difficult? I'd imagine Cap One and other issuers would have put additional protections in place to that effect that we don't necessarily know about or are supposed to know about.

Message 15 of 57
kberly69
Frequent Contributor

Re: Capital One will now issue contactless cards by default

Just got my new Quicksilver WE in the mail and it is, indeed, a contactless card Smiley Happy


CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693
Feb 2018 EQ 704 TU 687 EX 694

9/24/20: 4 years from discharge FICO 8: EQ 751 EX 765 TU 766 FICO 9 EQ 814 EX 804 TU 821
Message 16 of 57
Subexistence
Established Contributor

Re: Capital One will now issue contactless cards by default

How safe are contactless cards?








Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-795,Eq08-807,Tu08-787,EX98-761,Eq04-742
Goal Score: Ex98-760,Eq04-760


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Message 17 of 57
Kforce
Valued Contributor

Re: Capital One will now issue contactless cards by default

 

Being a "Mr. Negative"

 

Now you will have to keep your cards in an RF shielded case to prevent the

person behind you in line, ya that guy with a portable reader from stealing your info.

Every new technology claims great advances, however most end up with a lot of problems.

I want a card that needs  to be inserted or swiped. (I can give up 20 seconds of my time)

I would request a card without this "feature". If it is not possible,

my CC account would be closing.

 

 

 

 

 

Message 18 of 57
Anonymous
Not applicable

Re: Capital One will now issue contactless cards by default


@Kforce wrote:

 

Being a "Mr. Negative"

 

Now you will have to keep your cards in an RF shielded case to prevent the

person behind you in line, ya that guy with a portable reader from stealing your info.

Every new technology claims great advances, however most end up with a lot of problems.

I want a card that needs  to be inserted or swiped. (I can give up 20 seconds of my time)

I would request a card without this "feature". If it is not possible,

my CC account would be closing.

 

 

 

 

 


The equipment needed to be able to read such a card from farther than 1-2 inches away wouldn't look inconspicious at all. I don't think this is a big concern.

Message 19 of 57
Hokies2379
Established Contributor

Re: Capital One will now issue contactless cards by default


@woodyman100 wrote:

@Anonymous wrote:

https://www.nerdwallet.com/blog/cred...s-contactless/

 

Anyone get one yet? How is it working for you?


Cap 1 sent me a letter last year offering to replace my QS chip card with a contactless card.

I took them up on it and used it a couple of times at QuikTrip just to try out the novelty of it.

Just like Apple Pay, it takes quite a bit longer than swiping and you can't use it very many places


Apple pay doesn't take longer than swiping....at all. Phone, thumb, boom.  compared to wallet, card, swipe.  It's the same.  And if you're using chip, then either apple pay or swipe is so much faster. The chip is literally the worst thing to happen to retail lines in a long time.

Message 20 of 57
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