FabSwingers.com forum: Contactless credit/debit cards

By *icketysplits OP Woman
over a year ago

Way over Yonder, that's where I'm bound

Moneybox had a feature on cards paying for things just by having it in a pocket or bag.

Have you experienced contactless?

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

sorry are u meaning being wirelessly debited?..as thats a feature most likely upcoming in the near future lol

Reply privately

Reply in forum

Reply +quote

By *ucsparkMan
over a year ago

dudley

"Moneybox had a feature on cards paying for things just by having it in a pocket or bag.

Have you experienced contactless?"

With barclay's and they rolled it out a while back. Shop that except it is small. I know maccy d's do it

Reply privately

Reply in forum

Reply +quote

By *icketysplits OP Woman
over a year ago

Way over Yonder, that's where I'm bound

"sorry are u meaning being wirelessly debited?..as thats a feature most likely upcoming in the near future lol"

The cards with the wavy lines you just wave at the reader. Moneybox commented that some banks are just issuing then when your card renews.

I'd be worried that it would start buying everything I took a fancy to.

Reply privately

Reply in forum

Reply +quote

By *win PeaksCouple
over a year ago

Northamptonshire

"sorry are u meaning being wirelessly debited?..as thats a feature most likely upcoming in the near future lol

The cards with the wavy lines you just wave at the reader. Moneybox commented that some banks are just issuing then when your card renews.

I'd be worried that it would start buying everything I took a fancy to.

You need to worry more about the people who may have a card reader/scanner in their bag and rip you off

Reply privately

Reply in forum

Reply +quote

By *ranny-CrumpetWoman
over a year ago

The Town by The Cross

"sorry are u meaning being wirelessly debited?..as thats a feature most likely upcoming in the near future lol

The cards with the wavy lines you just wave at the reader. Moneybox commented that some banks are just issuing then when your card renews.

I'd be worried that it would start buying everything I took a fancy to.

You need to worry more about the people who may have a card reader/scanner in their bag and rip you off

Off to invent the scammer jammer

Reply privately

Reply in forum

Reply +quote

By *Ryan-Man
over a year ago

In Your Bush

Isn't it only for small amounts?

My card has the technology I think.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

yeah i was charged in ann summers for a vibromatic 2000...I cant beleive they really thought id want a 40 inch vibrating black dildo!!...honest

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"Isn't it only for small amounts?

My card has the technology I think. "

Yes can only spend up to £20 5 times.

Reply privately

Reply in forum

Reply +quote

By *icketysplits OP Woman
over a year ago

Way over Yonder, that's where I'm bound

"Isn't it only for small amounts?

My card has the technology I think.

Yes can only spend up to £20 5 times.

But if you're relatively skint that's everything gone.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Am I missing the point of this technology? You still have to input a PIN into a machine for security yes?

So all it's actually saving you is the hardship, anguish and sheer aerobic workout of sliding the card into a machine?

Is that the basic gist or amI missing something more fundamental?

Reply privately

Reply in forum

Reply +quote

By *icketysplits OP Woman
over a year ago

Way over Yonder, that's where I'm bound

"Am I missing the point of this technology? You still have to input a PIN into a machine for security yes?

So all it's actually saving you is the hardship, anguish and sheer aerobic workout of sliding the card into a machine?

Is that the basic gist or amI missing something more fundamental? "

I don't know. The people interviewed on the radio had money taken from their cards. Only one said she was using another card in the machine but it was recognising her contactless one and asking for the pin for that one.

I'm not sure about all the waving things around.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

My OHs card you don't enter a pin or anything, just touch it to the pad and go but only for purchases under £20

Reply privately

Reply in forum

Reply +quote

By *phroditeWoman
over a year ago

(She/ her) in Sensualityland

Similar principle with skipasses - they have had this for some years wherw you only needed to carry the pass somewhere in your ski suit and it would let you through the barrier. Works well.

Reply privately

Reply in forum

Reply +quote

By *Ryan-Man
over a year ago

In Your Bush

Courtesy of Wiki

As with all payment devices, contactless cards have a number of security features. Contactless runs over the same chip and PIN network as normal credit and debit card transactions, there is a payment limit on single transactions and contactless cards can only be used a certain number of times before customers are asked for their PIN. Contactless debit and credit transactions are protected by the same fraud guarantee as standard transactions.

Reply privately

Reply in forum

Reply +quote

By *icketysplits OP Woman
over a year ago

Way over Yonder, that's where I'm bound

"Courtesy of Wiki

Then why are Moneybox making a feature of this?

What about the big cashpoint fraud just recently (OK, not here but still)?

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

If you lose your card, anyone that finds it can use it up to 5 times, without even having to give any details at all.

Bit like leaving 5 £20 notes on the counter and hoping no one will take any.

Reply privately

Reply in forum

Reply +quote

By *radleyandRavenCouple
over a year ago

Herts

It's available through Barclays and on my phone but I would never set it up. It may only allow small payments but if my card or phone get stolen, enough of those "small payments" will be enough to fuck me over right now. x

Reply privately

Reply in forum

Reply +quote

By *Ryan-Man
over a year ago

In Your Bush

"Courtesy of Wiki

Then why are Moneybox making a feature of this?

What about the big cashpoint fraud just recently (OK, not here but still)?"

Dunno why. I can see it speeding transactions up, but does that really need to happen ?

Reply privately

Reply in forum

Reply +quote

By *icketysplits OP Woman
over a year ago

Way over Yonder, that's where I'm bound

The whole bumping phones and tablets worries me as well. The whole world is becoming NSA.

Reply privately

Reply in forum

Reply +quote

By *icketysplits OP Woman
over a year ago

Way over Yonder, that's where I'm bound

"Courtesy of Wiki

Then why are Moneybox making a feature of this?

What about the big cashpoint fraud just recently (OK, not here but still)?

Dunno why. I can see it speeding transactions up, but does that really need to happen ?"

Only at high volume transaction areas - like the tube or a fairground ride.

Reply privately

Reply in forum

Reply +quote

By *Ryan-Man
over a year ago

In Your Bush

Only at high volume transaction areas - like the tube or a fairground ride.

I'm not used to a tube queue Don't have things like that around these parts

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Ive got a card that does this -

i go to the till the operator presses a button on the till to begin listening for the card, instead of sticking it in the machine i just wave it past it and its done. really quick n simple.

only up to £20.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Cant wait to see the banks refusing to refund for cards that get lost on a night out.

You ring the next day when you realise its missing, only to find out they already done you for £200 and your liable.

5 * £20 before midnight and another 5 * £20 during the early hours.

Reply privately

Reply in forum

Reply +quote

By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

"If you lose your card, anyone that finds it can use it up to 5 times, without even having to give any details at all.

Bit like leaving 5 £20 notes on the counter and hoping no one will take any."

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"Am I missing the point of this technology? You still have to input a PIN into a machine for security yes?

So all it's actually saving you is the hardship, anguish and sheer aerobic workout of sliding the card into a machine?

Is that the basic gist or amI missing something more fundamental?

No you don't have to enter a pic, you just wave your hand about with your card in next to the machine

My new card that was sent has it but I won't be activating it."

Our from RBS was already activated on receipt, and we only found out when we used it 6 months later in Blackpool.

Had used it many times before we realised what it was.

Reply privately

Reply in forum

Reply +quote

By *icketysplits OP Woman
over a year ago

Way over Yonder, that's where I'm bound

"Am I missing the point of this technology? You still have to input a PIN into a machine for security yes?

So all it's actually saving you is the hardship, anguish and sheer aerobic workout of sliding the card into a machine?

Is that the basic gist or amI missing something more fundamental?

No you don't have to enter a pic, you just wave your hand about with your card in next to the machine

My new card that was sent has it but I won't be activating it.

Our from RBS was already activated on receipt, and we only found out when we used it 6 months later in Blackpool.

Had used it many times before we realised what it was."

It needs a switch to turn it off.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

basically going off topic:

the rule is automation of everything

they wnt u to walk in somewhere and wirelessly suggest great products...a handy feature is to also have a big buy button..that u dont even have to press

and of course, ur buying habits are there to share

its a cynical view yes...but its pretty transparent

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

What happens if it picks up the till next to you ?

Could you end up paying for their stuff by accident ?

My mind is now in overdrive thinking of all the ways it can and will go horribly wrong !!!

By the time you realise you paid for something you never bought, its the end of the month and to late to do anything about it.

Reply privately

Reply in forum

Reply +quote

By *icketysplits OP Woman
over a year ago

Way over Yonder, that's where I'm bound

"basically going off topic:

the rule is automation of everything

they wnt u to walk in somewhere and wirelessly suggest great products...a handy feature is to also have a big buy button..that u dont even have to press

and of course, ur buying habits are there to share

its a cynical view yes...but its pretty transparent"

My buying habits are already known as I always use a card of some sort. It would be relatively easy to just have it all ready and waiting for me to wave my bit of plastic.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"basically going off topic:

the rule is automation of everything

they wnt u to walk in somewhere and wirelessly suggest great products...a handy feature is to also have a big buy button..that u dont even have to press

and of course, ur buying habits are there to share

its a cynical view yes...but its pretty transparent

My buying habits are already known as I always use a card of some sort. It would be relatively easy to just have it all ready and waiting for me to wave my bit of plastic."

Your Tesco club card already does this.

You can get a repeat of last weeks shopping anytime you like online.

Reply privately

Reply in forum

Reply +quote

By *icketysplits OP Woman
over a year ago

Way over Yonder, that's where I'm bound

"What happens if it picks up the till next to you ?

Could you end up paying for their stuff by accident ?

My mind is now in overdrive thinking of all the ways it can and will go horribly wrong !!!

By the time you realise you paid for something you never bought, its the end of the month and to late to do anything about it.

I'm sorry, I didn't mean to worry people unnecessarily. I just want to know how it all works for those using it. Those on here that have said they use it haven't said they have had a problem.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

No problems as yet

Reply privately

Reply in forum

Reply +quote

By *otYoungYorkGuyMan
over a year ago

york-north

I Think its fantastic. One of my pet hates is people who want to pay small amounts using their card. ie a busy bar, newsagents etc. Nothing worse than being stuck waiting for someone to pay a couple of pounds using their card..... sometimes i think that they purposefully dawdle about it when im behind them

Reply privately

Reply in forum

Reply +quote

By *atisfy janeWoman
over a year ago

Torquay

Yes my new M&S card at the food hall....

I just hold it up to the screen and it reads it

Reply privately

Reply in forum

Reply +quote

By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

So it seems, if you have your card in your wallet / purse but are paying with a different card, some contact machines have been taking a payment anyway

I knew there was a reason to be cautious

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"So it seems, if you have your card in your wallet / purse but are paying with a different card, some contact machines have been taking a payment anyway

I knew there was a reason to be cautious

I'm definitely going to opt out then!

Reply privately

Reply in forum

Reply +quote

By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

http://www.bbc.co.uk/news/business-22545804

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

As anyone who has tried to set up a WiFi to work over their home will attest radio frequency is very difficult to accurately predict. Mostly the concern we have is that it gets stopped by other electrical devices or walls in so we can't use our tablets to browse fab whilst in the bath

But it also works the other way as well, slight changes in the input voltage (which is constantly fluctuating) some handy visible or invisible barrier that will bounce and amplify the signal so 4cm can easily be 8+ in certain conditions in certain locations.

In the main part the system will work. But we will need to accept that we now carry £100 in our pocket at all times and it's just as easy to lose as 5 £20 notes.

It will make buying a beer on the beach much more convenient though

Reply privately

Reply in forum

Reply +quote

By *icketysplits OP Woman
over a year ago

Way over Yonder, that's where I'm bound

I'm probably safe in M&S as it's rare I only spend £20.

I suspect there will be more stories like this soon.

Reply privately

Reply in forum

Reply +quote

By *BW100Couple
over a year ago

Suffolk/Norfolk border

My account automatically issues these cards and you can't opt out (co op bank), I watched a programme where someone with a device can walk past your bag or wallet & collect all your card details, I have purchased silver lined card holders from Amazon to keep the card details safe.

Reply privately

Reply in forum

Reply +quote

By *ercedes62Woman
over a year ago

Northampton

"I'm probably safe in M&S as it's rare I only spend £20.

I suspect there will be more stories like this soon."

Yes your right look at the BBC news site it would appear that people are being hit while their cards are in their wallets and handbags as they walk by

Its on the mobile BBC news page today.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"http://www.bbc.co.uk/news/business-22545804"

That's insane! No way I'll be getting one. I check my accounts often anyway (who doesn't??!) to make sure there are no dodgy payments.

I can't afford to lose one £20 let alone 5!

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

I can see people are going to have a few problems trying to claim anything back.

After all, they were in the store and did make a purchase.

Then again we all now the BANKS would always admit its a poor system, but makes them an awful lot of cash in unauthorised overdraft fees.....

Reply privately

Reply in forum

Reply +quote

By *icketysplits OP Woman
over a year ago

Way over Yonder, that's where I'm bound

The limit has just been raised to £30. Careful with those cards.

Reply privately

Reply in forum

Reply +quote

By *ittle_brat_evie!!Woman
over a year ago

evesham

"The limit has just been raised to £30. Careful with those cards."

They have to be presented very close to the machine, plus you still have to go to the till to ring up your purchases so it's unlikely you'll buy anything without your knowledge

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"The limit has just been raised to £30. Careful with those cards.

They have to be presented very close to the machine, plus you still have to go to the till to ring up your purchases so it's unlikely you'll buy anything without your knowledge

Think its the fact that if your card is stolen the thief can buy anything upto 30 with no need for a pin number

Reply privately

Reply in forum

Reply +quote

By *ichaelangelaCouple
over a year ago

notts

"I'm probably safe in M&S as it's rare I only spend £20.

I suspect there will be more stories like this soon.

Yes your right look at the BBC news site it would appear that people are being hit while their cards are in their wallets and handbags as they walk by

Its on the mobile BBC news page today."

my brother in law is so obsessed that this may happen to him that he has followed advice he saw in the daily mail

he has lined both sides of the inside of his wallet with tin foil

he reckons its the only way to stop it happening to him

trouble is, he don't have any contactless cards

Reply privately

Reply in forum

Reply +quote

By *umourCouple
over a year ago

Rushden

We use ours all the time and have never had a problem! Have to hold the card right up to the terminal before it reads.. Tried it in the wallet and beside the terminal and neither worked. Typical scaremongering against new technology! In a couple of years we will all be using it (except of course, the Luddites!)

Reply privately

Reply in forum

Reply +quote

By *urreyfun2008Man
over a year ago

East Grinstead

And in the past they just had to do a semi ok copy of your signature and could spend any amount.

You need to get card pretty close to the reader for it to work.

Reply privately

Reply in forum

Reply +quote

By *umourCouple
over a year ago

Rushden

"And in the past they just had to do a semi ok copy of your signature and could spend any amount.

You need to get card pretty close to the reader for it to work."

That is so true! Our son actually signed all of our cheques when he was about 11. Guess what? The bank never questioned one of them! At least this is a max of £150. With a dodgy signature, you could spend anything!

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

NFC has been around for years!! have none of you paranoids ever used an oyster card?!, Samsung use it with their phones, all this nonsense about having your card read or loosing your card and having £100 run up on it is just that..nonsense.

Reply privately

Reply in forum

Reply +quote

By *taffs_hotwifeCouple
over a year ago

Wolverhampton

"I'm probably safe in M&S as it's rare I only spend £20.

I suspect there will be more stories like this soon.

Yes your right look at the BBC news site it would appear that people are being hit while their cards are in their wallets and handbags as they walk by

Its on the mobile BBC news page today.

my brother in law is so obsessed that this may happen to him that he has followed advice he saw in the daily mail

he has lined both sides of the inside of his wallet with tin foil

he reckons its the only way to stop it happening to him

trouble is, he don't have any contactless cards

Does he wear an armadillo shell on his head too?

Reply privately

Reply in forum

Reply +quote

By *icketysplits OP Woman
over a year ago

Way over Yonder, that's where I'm bound

The thread is over a year old. I only resurrected it to highlight the increase.

My card was cloned just before Christmas. I don't use it as contactless but that is how the bank decided the cloning probably took place. Luckily, the card behaviour was so different that it was easy and quick to spot.

Reply privately

Reply in forum

Reply +quote

By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

"NFC has been around for years!! have none of you paranoids ever used an oyster card?!, Samsung use it with their phones, all this nonsense about having your card read or loosing your card and having £100 run up on it is just that..nonsense."

So an Oyster card takes your money too? I thought you just buy that and use it on the tube etc?

Also how is someone using your Debit card nonsense? Are you trying to say there is no card fraud at all?

Reply privately

Reply in forum

Reply +quote

By *erbyDalesCplCouple
over a year ago

Derbyshire

"Luckily, the card behaviour was so different that it was easy and quick to spot."

Forget credit card fraud, that's my biggest worry: the call from the fraud department, checking unusual transactions: "okay, so that massive sex-toy is yours, how about this admission charge to this swingers club, and these services from Madam Whiplash?"

Mr ddc

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

So an Oyster card takes your money too? I thought you just buy that and use it on the tube etc?

Also how is someone using your Debit card nonsense? Are you trying to say there is no card fraud at all? "

Yep, when you go under a certain amount of credit, Oyster can automatically take more out of your bank account - if when you signed up you said that it was ok.

Reply privately

Reply in forum

Reply +quote

By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

So an Oyster card takes your money too? I thought you just buy that and use it on the tube etc?

Also how is someone using your Debit card nonsense? Are you trying to say there is no card fraud at all?

Yep, when you go under a certain amount of credit, Oyster can automatically take more out of your bank account - if when you signed up you said that it was ok."

I think that is a totally different thing altogether. For the people who don't sign up for it and just want to buy a train pass, I bet they would be pissed off if it was taken out without permission.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

[Removed by poster at 07/02/15 10:37:08]

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

So an Oyster card takes your money too? I thought you just buy that and use it on the tube etc?

Also how is someone using your Debit card nonsense? Are you trying to say there is no card fraud at all?

Yep, when you go under a certain amount of credit, Oyster can automatically take more out of your bank account - if when you signed up you said that it was ok.

I think that is a totally different thing altogether. For the people who don't sign up for it and just want to buy a train pass, I bet they would be pissed off if it was taken out without permission."

What is happening though is that oyster readers now accept contacless debit cards. And if (like many people) you swipe your oyster card by placing your wallet on the reader rather taking your card out your wallet then the readers are also taking payment off debit cards!

Reply privately

Reply in forum

Reply +quote

By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

[Removed by poster at 07/02/15 10:50:52]

Reply privately

Reply in forum

Reply +quote

By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

So an Oyster card takes your money too? I thought you just buy that and use it on the tube etc?

Also how is someone using your Debit card nonsense? Are you trying to say there is no card fraud at all?

Yep, when you go under a certain amount of credit, Oyster can automatically take more out of your bank account - if when you signed up you said that it was ok.

I think that is a totally different thing altogether. For the people who don't sign up for it and just want to buy a train pass, I bet they would be pissed off if it was taken out without permission.

Which proves the point that people are not paranoid as the post I quoted suggested.

I am not sure this is what he meant though, I think it was more " there has been Oyster cards for years and you are all paranoid....but a Debit card and Oyster card are not the same thing at all

Reply privately

Reply in forum

Reply +quote

Post new Message to Thread