3 ms·

What is crazier still, is I wasn't even sent a chip & pin from my bank until just last year. At least they did everything all at once, chip and contactless. But

What is crazier still, is I wasn't even sent a chip & pin from my bank until just last year. At least they did everything all at once, chip and contactless. But I'm still waiting for Capital One to send me a contactless card (its my preferred card to use internationally where contactless seems to be the standard).

tialaramex 6y ago
If you have a (modern, smart) phone you can teach the phone this Capital One card and it'll "be" that card contactlessly when you travel, one less thing to carry. I deliberately own (special ordered from my bank) a card that has no contactless, and it's also the card my phone "is" so all contactless transactions with that card are through the phone, the bank never issued a contactless card so it's literally impossible that the card itself was used for a contactless transaction. Using the phone this way allows me to walk around the supermarket, scanning product codes with the phone, then walk to the checkout, scan the "I'm done" code and hold the phone near the contactless checkout as payment. No human interaction, very little touching stuff, only need the phone which I'd carry anyway, no cards or cash.
- jermaustin1 6y ago
  I actually had trouble the a year ago when traveling in the UK (I miss travelling), I was using my capital one through apple pay, but it would get declined constantly and shut off because the UK doesn't pass the CVV into the transaction. I never found a clear pattern for when fraud detection would occur, but one app that caused it constantly was Deliveroo.
toast0 6y ago
> At least they did everything all at once, chip and contactless. I got contactless cards about 10ish years ago, then when those renewed, it was back to stripe (and embossed) only; then chip and stripe and embossed; then chip and stripe but mostly flat; now this year I'm getting chip and stripe and contactless and apparently only Amex is embossing for carbon copy imprinters.

tialaramex 6y ago

If you have a (modern, smart) phone you can teach the phone this Capital One card and it'll "be" that card contactlessly when you travel, one less thing to carry. I deliberately own (special ordered from my bank) a card that has no contactless, and it's also the card my phone "is" so all contactless transactions with that card are through the phone, the bank never issued a contactless card so it's literally impossible that the card itself was used for a contactless transaction. Using the phone this way allows me to walk around the supermarket, scanning product codes with the phone, then walk to the checkout, scan the "I'm done" code and hold the phone near the contactless checkout as payment. No human interaction, very little touching stuff, only need the phone which I'd carry anyway, no cards or cash.

jermaustin1 6y ago
I actually had trouble the a year ago when traveling in the UK (I miss travelling), I was using my capital one through apple pay, but it would get declined constantly and shut off because the UK doesn't pass the CVV into the transaction. I never found a clear pattern for when fraud detection would occur, but one app that caused it constantly was Deliveroo.

toast0 6y ago

> At least they did everything all at once, chip and contactless. I got contactless cards about 10ish years ago, then when those renewed, it was back to stripe (and embossed) only; then chip and stripe and embossed; then chip and stripe but mostly flat; now this year I'm getting chip and stripe and contactless and apparently only Amex is embossing for carbon copy imprinters.