I remember first moving to Philly and getting a SEPTA Key and thinking, "This is dumb, it's literally just a MasterCard. Why can't I use my credit card like NY?

I remember first moving to Philly and getting a SEPTA Key and thinking, "This is dumb, it's literally just a MasterCard. Why can't I use my credit card like NY?" Then a few years later they rolled out support for other bank cards and I immediately took my SEPTA Key out of my wallet.