Contactless payments to increase to £100 from 15/10

Good, I guess, though I'd be happier with something a little lower like say £70 that should cover the shopping bill seems a bit high if you lose your card.

Yaayuh! said:
Why not? It doesn't cost anything (providing you pay it in time) and you only benefit from it.
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if you miss a payment boom they write you letter saying they're downgrading your credit score. I don't need credit cards anyway the only benefit I can see is the protection of the consumer credit act.

touch said:
Petrol is just as old fashioned as cash and will go the same way.
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I know, same with cars. We'll all just teleport to our destination.
 
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mrk said:
I have not used a physical card for fuel for years...
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How do you pay at the pump if the station (Shell or BP are the only two that spring to mind) doesn't offer an app that allows you pay through that?

Edit - Contactless needs to become more readily available at the pumps and maybe it will with this limit increase. But majority of the time, and i would suspect it'd be the same for a lot of people, i'd be screwed without a physical card grabbing fuel unless i happen to be at BP/Shell (rarely) or fancied faffing in the kiosk and queues.
 
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Martynt74 said:
I have lost my Vitality Health Insurance though through a job change so sadly it has dropped a little :(

When i'm back from Spain i think i might look at some kind of rewards credit card though. Even for the little i spend on it, it makes sense to get some benefits.
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Most of them are rubbish these days. I remember a good 7-9 years ago when i was commuting on the train a lot, so used to stick all my train tickets on a reward credit card and was getting something like £500 cashback a year.

Blackjack Davy said:
Good, I guess, though I'd be happier with something a little lower like say £70 that should cover the shopping bill seems a bit high if you lose your card.
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There's hardly that much difference between 70 and 100.

I believe... (or at least i'm fairly sure you can with Halifax at least) you can switch off the contactless bit, so if you're concerned about losing the card / someone spending £100 on it, then you can always switch it off. Actually it seems like it's just freezing general usage rather than restricting to only chip and pin transactions.
 
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Blackjack Davy said:
if you miss a payment boom they write you letter saying they're downgrading your credit score. I don't need credit cards anyway the only benefit I can see is the protection of the consumer credit act.
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Setup a DD like you will have for almost any other bill you pay.
 
visibleman said:
How do you pay at the pump if the station (Shell or BP are the only two that spring to mind) doesn't offer an app that allows you pay through that?

Edit - Contactless needs to become more readily available at the pumps and maybe it will with this limit increase. But majority of the time, and i would suspect it'd be the same for a lot of people, i'd be screwed without a physical card grabbing fuel unless i happen to be at BP/Shell (rarely) or fancied faffing in the kiosk and queues.
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Shell have their app as do Esso, Tesco have their app too but I've not used that. At Esso and Shell I pay from inside my car via the app and fillup then drive off. Any other station I do need to walk into the shop then pay via Samsung Pay etc as they don't have an app based method of paying for fuel.
 
tom_e said:
Setup a DD like you will have for almost any other bill you pay.
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Don't they sometimes miss it and then charge you anyway? I have heard of that happening. Obviously you can appeal I guess but sounds like a hassle. I do actually have a CC lying around somewhere or other just havn't used it in years.

Lopéz said:
Unfortunately I would imagine that she is in the minority when it comes to consumers who use contactless debit card payments regularly.
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My mother has the opposite problem she doesn't know contactless exists so has to spend 10 minutes fumbling around with entering her pin after trying to remember it I keep telling her contactless is a thing but it doesn't sink in...
 
Blackjack Davy said:
Don't they sometimes miss it and then charge you anyway? I have heard of that happening. Obviously you can appeal I guess but sounds like a hassle. I do actually have a CC lying around somewhere or other just havn't used it in years.
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I’ve got three cards set up to pay the entire balance via DD each month and none have ever not taken the payment.

I just can’t see why they wouldn’t take the payment. The only reason I can think of for them not taking the payment is that you didn’t have enough money in the bank account or you moved your bank account and didn’t change the DD.

I just use them like debit cards and take advantage of rewards, S75 protection, zero % foreign exchange etc. and don’t spend money I don’t have.
 
Blackjack Davy said:
Don't they sometimes miss it and then charge you anyway? I have heard of that happening. Obviously you can appeal I guess but sounds like a hassle. I do actually have a CC lying around somewhere or other just havn't used it in years.
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No
 
I think OP is right. A lot of people don't understand how the technology works.

I think its easier to become in debt when looking at numbers on a screen instead of having physical money in our hands.

Maybe the banks could allow people to put their own limit on the card, so make it 'up to £100'. So if there is no limit set then it auto sets to £100. But if you can set your own limit then it will just limit to that. Maybe this can already be done?
 
Blackjack Davy said:
A lot of people don't seem to pay any attention to this and rack up huge debts. Its incremental debt as well you can't pay for large amounts in one go (tried buying a car with it once they weren't having it lol. Thats despite having a credit limit that covered it)
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If your credit limit covers it then there's nothing to stop you from buying a car on a credit card. I've bought a car on my CC before.
Some places will try to convince you to pay by debit card (or just not accept CCs) because the fees will be a lot on such a large transaction but that's a decision on the seller's end and nothing to do with the CC.
 
The card got declined. At least thats what they told me. Maybe things have changed since then (I ended up wiring the dealer the money via BT in the end but a card would have been way more convenient). Main dealer as well.
 
Blackjack Davy said:
A lot of people don't seem to pay any attention to this and rack up huge debts. Its incremental debt as well you can't pay for large amounts in one go (tried buying a car with it once they weren't having it lol. Thats despite having a credit limit that covered it)
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To be fair I’d put houses and cars in a separate category as it’s likely finance would be required unless you are pretty wealthy or buying something older.

What I meant was day to day spending.


touch said:
If your credit limit covers it then there's nothing to stop you from buying a car on a credit card. I've bought a car on my CC before.
Some places will try to convince you to pay by debit card (or just not accept CCs) because the fees will be a lot on such a large transaction but that's a decision on the seller's end and nothing to do with the CC.
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This, dealers want you to do bank transfers these days for large transactions to avoid the fees but I’d be looking to get at lease the deposit on the CC for that S75 protection.
 
Blackjack Davy said:
The card got declined. At least thats what they told me maybe things have changed since then (I ended up wiring the dealer the money via BT in the end but a card would have been way more convenient)
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It can happen, especially in the earlier days. Breaking it up into many transactions is the way forward.

I paid for my £9k Ibiza across 4 cards. The salesmen was ignorant to the fees but I could see him getting a bollocking from his boss when he told him :p
 
b0rn2sk8 said:
This, dealers want you to do bank transfers these days for large transactions to avoid the fees but I’d be looking to get at lease the deposit on the CC for that S75 protection.
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Isn't it something like a quid needs to be on the CC for S75?
 
Tried to contactless £60 at the supermarket earlier without thinking about it. So yeah I think it being raised is good. The number should be whatever covers tanks of fuel and weekly shops.
 
Blackjack Davy said:
Don't they sometimes miss it and then charge you anyway? I have heard of that happening. Obviously you can appeal I guess but sounds like a hassle. I do actually have a CC lying around somewhere or other just havn't used it in years.
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No, I don't see how this would be possible.

I've not had a legitimate missed payment (credit card specifically, direct debit or standing order) through any kind of banking error in 22 years of online banking.
 
Lopéz said:
No, I don't see how this would be possible.

I've not had a legitimate missed payment (credit card specifically, direct debit or standing order) through any kind of banking error in 22 years of online banking.
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So your saying monopoly just made up "bank error in your favour" :rolleyes:
 
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