5 ms·
If you have incredibly poor credit, you can’t even get a contactless debit card from many banks. A transport network needs to be designed so that everybody can
by vertex-four 8y ago
If you have incredibly poor credit, you can’t even get a contactless debit card from many banks.
A transport network needs to be designed so that everybody can use it - that means being able to access it with cash.
Even Oyster’s £5 deposit per card can be an issue for some people.
- tialaramex 8y agoYou don't need credit to have a contactless debit card, they're just locked down to require online transactions so that it's impossible to go overdrawn. In normal operation a TfL gate is online (ie able to talk to your card issuer) so it can work with any type of card.
- vertex-four 8y agoSure, but many basic bank accounts (those available to people with extremely poor credit history and no income) don't have a contactless debit card anyway, such as the one Bank of Scotland does: https://www.bankofscotland.co.uk/bankaccounts/compare-current-accounts/basic-account/ https://www.bankofscotland.co.uk/bankaccounts/compare-curren...
- jon-wood 8y agoTfL gates aren't online in anything but the most basic way - the first time you use a contactless card on TfL each day they'll place a hold for 10p to verify the card is valid. They then modify that to request the total cost of travel for the previous day after that.
- denverbroncos 8y agoflexbasic from nationwide issues a contactless card from the get go if you don't get offered a "normal" current account. also supports apple/google/samsung pay. https://www.nationwide.co.uk/products/current-accounts/flexbasic/features-and-benefits https://www.nationwide.co.uk/products/current-accounts/flexb...