Card will ping location but it doesn’t say where your house is. I can remotely lock my Google phone and trace it. Can’t do that with card. I think phone is a Much riskier endeavor.
I mean, I’ve never used Google Pay, so I can’t really comment on the functionality. But it is very easy to block card.
My point is that when you block the card, you have the opportunity to object to any purchase that wasn’t authenticated by you. Any contactless card purchase could be challenged. Meanwhile, any purchase where you used your PIN, or your phone, leaves you no opportunity to challenge it.
Furthermore, perhaps the most common form of card fraud involves friends and family. Such a friend could conceivably gain access to your phone and the details needed to make a transaction. If that transaction involves using your phone (which many close family members might have access to) then you will have no recourse with the card company. If you have a bunch of suspicious transactions that used your card PIN, you will be expected to explain them, but if yoiu have a bunch of suspicious transactions made with contactless cards then the default position is that the business has to explain them.
It’s a fairly subtle difference, but it is very significant. You’re on the back foot when you casually use your phone, compared to casually using a card.
Literally no one is haggling. That’s a ridiculous proposition.
Not quite, but yeah, very few are. We’ve almost reverted to the point where terms and conditions are dictated to us, and we have the privelege of paying for it. That’s bullshit. We have the money, they want it, they should taylor their terms to suit us.
You should try apps. Be good UK try other side. Can always cancel after a trial period. It’s easier to block google pay than a card, but only by a fraction. Both can be completed in app.
That is true but it’s an antiquated system that requires updating. But I get ya.
My phone is password and fingerprint protected and I change the password regularly. No one would be attempting that. My Family members would never attempt something so brazen and my friends wouldn’t gain access. But again I can understand the point. It’s pretty out there. You could use the same argument for a card. If someone gets access to your card it has all the details available to you and doesn’t require password or fingerprint
I mean, I’ve never used Google Pay, so I can’t really comment on the functionality. But it is very easy to block card.
My point is that when you block the card, you have the opportunity to object to any purchase that wasn’t authenticated by you. Any contactless card purchase could be challenged. Meanwhile, any purchase where you used your PIN, or your phone, leaves you no opportunity to challenge it.
Furthermore, perhaps the most common form of card fraud involves friends and family. Such a friend could conceivably gain access to your phone and the details needed to make a transaction. If that transaction involves using your phone (which many close family members might have access to) then you will have no recourse with the card company. If you have a bunch of suspicious transactions that used your card PIN, you will be expected to explain them, but if yoiu have a bunch of suspicious transactions made with contactless cards then the default position is that the business has to explain them.
It’s a fairly subtle difference, but it is very significant. You’re on the back foot when you casually use your phone, compared to casually using a card.
Not quite, but yeah, very few are. We’ve almost reverted to the point where terms and conditions are dictated to us, and we have the privelege of paying for it. That’s bullshit. We have the money, they want it, they should taylor their terms to suit us.
You should try apps. Be good UK try other side. Can always cancel after a trial period. It’s easier to block google pay than a card, but only by a fraction. Both can be completed in app.
That is true but it’s an antiquated system that requires updating. But I get ya.
My phone is password and fingerprint protected and I change the password regularly. No one would be attempting that. My Family members would never attempt something so brazen and my friends wouldn’t gain access. But again I can understand the point. It’s pretty out there. You could use the same argument for a card. If someone gets access to your card it has all the details available to you and doesn’t require password or fingerprint
In dome ways yes but that’s the system we live