A Tip if You Might Lose Your Credit Card Abroad.

[pat100]

Like wot I did …

Hi! Here’s a bit of info for you if you are ever abroad and lose your debit or credit card.
It’s aimed mainly at Apple iPhone users who don’t have other payment systems. It’s AFAIK.

Put simply: register your cards NOW with Apple Pay and be NOW using the bank or card companies’ apps on your PHONE for managing your card(s)

Explanation:
The important bit is to already have your card(s) registered with Apple Pay by entering their details into the Apple Wallet app on your iPhone. And to have downloaded, and to be using, your bank and credit card’s own apps to see your card details.

If you lose your credit card, the only way you can make electronic purchases is via Apple Pay on your phone (with participating shops and participating cash machines.) This is possible once you have, online, reported your card as lost and have been given a new (inactivated) card online. The new card cannot be activated until you have the plastic in your hand BUT will, straight away, automatically be included into your Apple Wallet (replacing the old card) for immediate use with Apple Pay.

With a debit card the difference is that, as well as Apple Pay, you will (probably) be able to see the card number and 3 numeral security code in your banking app so you can use those details for purchases and to update any other organisations. (e.g. regular payments from your card) with your new debit card details.

Note that whether you replace a credit card by phoning an agent, or online, you can never see it’s full number until you have it in your hand.

 

[The Wino]

Like wot I did …

Hi! Here’s a bit of info for you if you are ever abroad and lose your debit or credit card.
It’s aimed mainly at Apple iPhone users who don’t have other payment systems. It’s AFAIK.

Put simply: register your cards NOW with Apple Pay and be NOW using the bank or card companies’ apps on your PHONE for managing your card(s)

Explanation:
The important bit is to already have your card(s) registered with Apple Pay by entering their details into the Apple Wallet app on your iPhone. And to have downloaded, and to be using, your bank and credit card’s own apps to see your card details.

If you lose your credit card, the only way you can make electronic purchases is via Apple Pay on your phone (with participating shops and participating cash machines.) This is possible once you have, online, reported your card as lost and have been given a new (inactivated) card online. The new card cannot be activated until you have the plastic in your hand BUT will, straight away, automatically be included into your Apple Wallet (replacing the old card) for immediate use with Apple Pay.

With a debit card the difference is that, as well as Apple Pay, you will (probably) be able to see the card number and 3 numeral security code in your banking app so you can use those details for purchases and to update any other organisations. (e.g. regular payments from your card) with your new debit card details.

Note that whether you replace a credit card by phoning an agent, or online, you can never see it’s full number until you have it in your hand.

I keep thinking about linking my cards to the phone ( android so Google pay) . When we go away we always take one joint card that is our normal way of paying then a different card each that only one of us has so if we get our purse or wallet stolen we still have a way of paying.

 

[scotjimland]

Been using Apple Pay like that for long time... don't even take plastic out of the house anymore.. far safer that taking cards with you ll.

recently I had to draw cash at an ATM . .. a rare event , I don't routinely carry cash, but had to think hard to remember the PIN code..

 

[Carpmart]

I have to search really hard to actually find my plastic cards now… I’ve been using Apple Pay for years for absolutely everything… plastic is sooo old fashioned!

Edit: Also worth noting that when you get updated cards, you don’t need the physical card as you can digitally store the new card details in Apple Pay even whilst not having the card in your possession.. I had a card expire over three months before I got back from a trip and Apple and the card issuer hand shake the details across, so a great user experience!

 

[carolyn]

I’m the same, use Applepay all the time. All my loyalty cards are on it. I do have a purse because my gym card and my coffee card for that are still manual plus NT, C&CC etc but I often forget it. Fortunately Blue light card is on my phone as I wouldn’t want to miss my discounts!

Tescos in particular tend to send a new physical card very last minute so very handy if you’re away.

^{_{Subscribers  do not see these advertisements}}

 

[pappajohn]

When using a physical debit card at a till the tap to pay can be rejected.....then you have to insert the card in the reader to continue.
Ever tried getting your phone in the card slot.
Obciously tap to pay by phone must never be rejected.

 

[HarryML7]

In my experience, the apple pay system / bank interaction is not to be totally relied apon. My physical card was retained by a bank's atm. When I contacted my bank to report it I was told that the card in apple pay would be frozen. Despite my protestations that this would leave me in some difficulty I was told there was nothing else to be done. I took a chance on not freezing the card but transferred all but £5 out of the account, I was then able to transfer money back onto the card immediately prior to using apple pay and maintained a £5 balance until the physical card had been replaced.

 

[carolyn]

When using a physical debit card at a till the tap to pay can be rejected.....then you have to insert the card in the reader to continue.
Ever tried getting your phone in the card slot.
Obciously tap to pay by phone must never be rejected.

It is strange but I’ve never had Applepay rejected unless it says cash only of course. It must be the software I presume. I know people who do use cards a lot say they have to enter their PIN much more than they used to. Mind you that happens sometimes with Applepay now, all the time in Iceland.

 

[scotjimland]

Obciously tap to pay by phone must never be rejected.

in thousands of transactions of many years, I have never had that happen.. and there is no limit on amounts unless set by the retailer.. again have never had that issue, even when buying expensive electronics in John Lewis's .. I asked before paying and there was no upper limit ..

Apple Pay is safer than using a physical debit or credit card

Face ID, Touch ID or your passcode is required for purchases on your iPhone, Apple Watch, Mac or iPad. Your card number and identity aren't shared with merchants, and your actual card numbers aren't stored on your device or on Apple servers.

 

[pappajohn]

Apple Pay is safer than using a physical debit or credit card

Face ID, Touch ID or your passcode is required for purchases

As is google pay but its not 100%

Tongue in cheek comment, but watching a film a while ago one man had access to otherwise out of bounds items via his thumb print.
He was killed and his thumb chopped off by the bad guy.
Beware of people bearing pruning shears

^{_{Subscribers  do not see these advertisements}}

 

[scotjimland]

As is google pay but its not 100%

Tongue in cheek comment, but watching a film a while ago one man had access to otherwise out of bounds items via his thumb print.
He was killed and his thumb chopped off by the bad guy.
Beware of people bearing pruning shears

that's called being 'hacked'...

I saw a movie where someone held a phone to a dead persons face to access their phone..

 

[pappajohn]

Bit inconvenient carrying a head around though.
A finger/thumb you can stick in a pocket

 

[Minxy]

As is google pay but its not 100%

Tongue in cheek comment, but watching a film a while ago one man had access to otherwise out of bounds items via his thumb print.
He was killed and his thumb chopped off by the bad guy.
Beware of people bearing pruning shears

You don't have to use a finger/thumb though ... just something with a 'print'.