Message from @Matthew
Discord ID: 632740930352447498
USA is so far behind on a lot of places accepting contactless payment, and a lot of banks don't even issue NFC cards if you don't pay extra/have a "premium" account
the fuck
I have 6 cards, and 0 (zero) of them have contactless/nfc
My parents have had contactless payment on their cards since around 2012-2013 onwards
My original card didn't but when I changed plans with my bank for a better (((interest rate))) they gave me a proper NFC card
didnt the eu or some non-american group of countries push for chip and pin for cards
Still waiting for the day when there's some kind of Monocard that can hold multiple card info at the same time, so you don't need to rely on your phone
Chip and pin SUCKS for user convenience
Those chips wear out so fucking fast
Such thing exists Matty, it's called the NFC Chameleon
It's a card with 8 card slots and you can swap between them at any time
Only my Amex and PayPal business debit card do NFC, the other 10 don't.
@Droidbot yes, and if I pull that out in a store, they're gonna call the fucking cops
We just updated to accept chipped debit at work. Fucking sad.
@timsandtoms Mine STILL is swipe-only
>10 cards
???????
Every so often we'll get this nerdo with LG pay who will insist that "the app" can make it work with the stripe reader
surprise, it fucking doesn't, and he leaves angry every time
But it's so fucking janky that it's borderline useless
Assuming it's the same idea as Samsung Pay' spoofing the magnetic stripe, it kinda can work.
@Droidbot 13 I think? Two debit cards, one for my main bank and one I probably won't ever bother closing, PayPal Business debit from when I ran a Minecraft server commercially, a handful of rewards credit cards to juggle which ones give the greatest % cashback, and a couple I opened because they gave like $200 signup bonuses.
Honestly understandable
I have 2, my normal bank one and a secondary travel money one that has significantly better exchange rates and 0 international transfer or cashout fees
Are you in the states? Having tons of credit cards tends to be a uniquely American thing. 10 is a lot regardless, but having a couple is pretty standard over here and seems less weird than it does to the rest of the world. Between going into debt being more of an American problem, we get more fraud protection on credit cards, and there are hella choices for rewards for using credit, since they want to sucker you into paying 10-30% APR interest.
I know a couple of people who use https://www.curve.app/en/
and it works alright
That isn't really the same thing, though. That's 1 card (a master card), that goes through a 3rd party company, that then charges the card you have on file with them. What if your phone is dead and the default payment method you want to use isn't the one you want to use for a particular transaction
Okay, that's pretty cool. BUT STILL
That's fucking sick, just use that and then figure out which is which later on.i wonder how long you have?
I would think they'd have a 24-48 hour grace period, then charge a nominal convenience fee after that
That's what I would do
@timsandtoms I'm Australian
It seems to be a uniquely American thing, but it's a thing here too but on a much smaller scale
I don't want to destroy my credit so I avoid CCs but I've been tempted many many times
Ah. Yeh, Canadia and Australia are usually Americanized enough y'all get a good idea of what we got going on, but don't go full-retard with it.
One of the current deals is an Amex with 120k frequent flyer points (that's like two trips from here to Japan return), along with the annual fee refunded as flight credits
however