Capital One will now issue contactless cards by default

[Anonymous]

Uhm I don't see the point of contactless? It's same as Apple Pay. Apple Pay is much faster 

[Anonymous]

I mean..... what is the convenience of the contactless card, if it appears that a reader setup to use Apple/Android Pay would/wouldn't work on those same readers that the physical card would? I mean, I could see if one would work more often than the other, but since they both require the terminal to have the same technology in order to function, they are both as useful/useless as the other.

This would have been convenient before apple and android pay, but now it seems fairly redundant. Neat, but a step backwards at the same time. I mean, apple pay just requires me to tap my home button twice, and then hold my finger on the fingerprint scanner. This seems like a faster/more convenient option than pulling out my wallet, taking my card out, tapping it, and placing it back in the wallet to go back into my pocket.

If somebody feels comfortable using the contactless card, why not just use the contactless feature of apple/android pay? I don't know much about Android Pay, but Apple Pay seems to be very fast for me.

[Anonymous]

Exactly Austin

[DaveInAZ]

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@Anonymous wrote:

Uhm I don't see the point of contactless? It's same as Apple Pay. Apple Pay is much faster 

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Well, the point of contactless cards is money. Apple Pay gets .15% of the transaction, a very small percentage but it adds up. And Apple knew they wouldn't get consumers of merchants to agree to that, they got the card issuing bank to pay it, on the premise their cards would get used more, so more swipe fees for them. So if the CC issuers can get you to use a contactless card instead of Apple of Android Pay, they save $$$$.

I have no idea how Apple Pay works, I prefer Android. The one time I used a payment app on my LG phone I liked it, but that was Wells Fargo Wallet, included with the WF mobile app, and I tried it because back in March they were offering a $10 statement credit for the first use. WF Wallet naturally only works with WF issued cards and I only have a debit card for my checking, and I don't use debit.

I would love to use Andoid Pay, but in my opinion it has a major design flaw - you have to lock your screen with a PIN. The reason for this is that you don't have to open the Android app for it to work, just hold your phone next to an NFC terminal and Android Pay senses it & processes the transaction. To me this is techno nerds not thingking about the big picture. How many times are you going to use your phone to pay for a purchase? Once or twice a day? Doubtful, for me it would be a couple times per week. So, I have to enter a PIN to wake my phone up 20 times a day to answer a text message, send an email, or check the weather just so I can use Android Pay a couple times a week? Android Pay was the fastest I've ever uninstalled an app - I went into settings and removed the PIN screen lock and without warning me Android Pay removed all the CCs I'd spent 15 minutes loading into it, I didn't find out until Discover sent me a text telling me the card had been removed.

So when my Cap One QS with contactless arrives I'll forward to using it - just holding the card next to the terminal instead of looking for the little slot on the bottom of the terminal, sticking your card in (making sure you use the correct end), and waiting for the annoying Honk! Honk! Honk! most terminals use to tell you to remove your card. When Android Pay wises up and uses a PIN just to open the app & pay, like WF Wallet & Walmart Wallet do,  instead of requiring a PIN to use anything on your phone I'll try it again.

[Anonymous]

A common workaround for that nowadays is the finger print logins on many phones (both android and apple offer this) so the pin is a non-issue. It unlocks the phone just by pressing the home button as you would do anyways to "wake it up" to use it. So, with my iPhone it takes the same amount of time for me to use my phone for texts/calls/email/anything else with/without it being locked via pin/touch ID. Even if I didn't have the lock, I'd still use the home button to wake the phone up.

All joking and snide phone remarks aside, I do agree with the fact that Apple/Android Pay isn't something that I use "regularly" either, as it is rare for me to be in a place to pay. I don't do a lot of shopping, most of daily spend is food/gas/groceries. With that, fast-food is usually in a drive thru, dining out the card is generally picked up and paid with by the waiter/waitress, and gas is paid at the pump. In my day-to-day life, there aren't many opportunities for me to use my card at the terminal myself, so contactless pay isn't a major deal-breaker for me when I am shopping at stores, which is only once or twice a week as well.

But, it is convenient/quick to use on the rare occasion that I am out. It's definitely not a total substitute/replacement, as there are still many places that don't/can't accept contactless payments. But it is a nice alternative in the places that do accept it.

[Anonymous]

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@Anonymous wrote:

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@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.

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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.

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http://www.digitaltrends.com/cool-tech/credit-card-rfid-theft-protection-is-as-simple-as-an-on-button/

In the summer of 2005 during DefCon13, Flexilis, now known as Lookout Mobile Security, proved the feasibility of a homemade long-range RFID scanner. The company’s build, successful in scanning passive RFID chips, reached over 69 feet. A quick Google search again pulls up in-depth and detailed instruction from 2006 for building a long-range scanner for a mere investment of $100.

[Anonymous]

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@Anonymous wrote:

I mean, apple pay just requires me to tap my home button twice, and then hold my finger on the fingerprint scanner.

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You don't need to tap the home button twice. Just hold the phone up to the terminal and your card will automatically show up (even if the device is locked and the screen is off), then just let the fingerprint scanner scan your print. Done..

[EAJuggalo]

I don't use the fingerprint scanner on my GS7 and on the GS8 the scanner is on the back where I can't use it with an otterbox case.  I don't want to have my phone locked so I can't use Android Pay.  So I'm trying right now to get Cap One to issue me one of these cards for my QS.  I have RFID sleeves if I need one. But I like the idea of not having to give up control of the card or leave it in the machine to pay.

[Kforce]

@Anonymous wrote:

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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.

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Current short range recovered devices are very small and easily carried in a purse,

or hidden in a small paperback book. They run on batteries just like

your cell phone, and will easily read a card from six inches.

Do you think someone with a handbag, or paperback book could not

get 6" from your pocket ?

[PDXoriginal]

I got rid of the contactless feature on my American Express cards.

Riding a crowded train I had the NFC triggered on my phone, turned out I was standing right next a guy close enough my phone read his contactless card when I held it waist height.

With Android Pay and Apple Pay contactless cards are pretty much useless. Android Pay is so much safer as I can fingerprint unlock my phone as I am retreiving it from my pocket.