Card Payment only, No Cash

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mercalia
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Card Payment only, No Cash

Postby mercalia » 28 Oct 2020, 11:33am

It seems that some people are experiencing difficulties in buying things with cash. Any one here have such experiences? I never use a card partly as its easier to keep track of how much money you have for the coming week & partly once upons a time my credit card was copied ( I think at at a petrol station) and some one made purchases using it at the other end of the country and some one made 3x£500 bets with an online betting company ( it was a shock seeing those sums on my card statement). So far no problems at lidl or Sainsburys or M&S. The only time I do use electronic payments is Paypal. I also wont use ATMs outside banks as I understnad in the past thieves have been able to place an insert over the slot where you put the card to read your details.

https://www.which.co.uk/news/2020/10/cash-refusal-threatens-peoples-ability-to-pay-for-food-and-medicine/?

report a cash refusal to Which!
https://action.which.co.uk/page/s/unable-to-pay-with-cash

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DaveP
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Re: Card Payment only, No Cash

Postby DaveP » 28 Oct 2020, 11:56am

Not as yet, but I think you , well, we need to resign ourselves to the likely disappearance of cash in the foreseeable future. To the banks etc cash handling requires too much expenditure on premises, wages and physical security. To Boris and the boys people with cash are just loose cannons. Could do anything anytime - and thats obviously just Wrong. Except for those who have so much that Swiss banks will put out the red carpet...
Bring back the Gold Standard!
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kwackers
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Re: Card Payment only, No Cash

Postby kwackers » 28 Oct 2020, 12:02pm

Sadly this can only get worse because tbh cards are just so much easier.
I've a wallet full of cash from stuff I've sold or money people have given me - I fear it's been in there so long it's no longer legal tender...

Count out and hand over money, wait for change and then fill my wallet with coins? Or, put a card/phone near a device for a fraction of a second.
For me and I suspect lots of others it's simply no contest.

Then of course people worry about security, my card was compromised once. Full marks to the card company they spotted it before I did (although bizarrely they refunded over £700 from a purchase that was genuine even though I'd told them it was).

Lose cash and it's gone forever, cards are simply more secure.
(I do like PayPal for online purchases though, mainly because it has to be authorised online for each purchase)

FerociousDog
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Re: Card Payment only, No Cash

Postby FerociousDog » 28 Oct 2020, 12:27pm

I use mainly debit card/contact-less now.My banking app notifies me instantly when I've made a purchase.I get a notification on my phone and smart watch.It notifies me about Paypal transactions too.It's also easier to just take a card when out on the bike.
I can't see much of a future for cash but I do think that one should have the choice.Sadly that choice is being taken away under the cover of the pandemic :x

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[XAP]Bob
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Re: Card Payment only, No Cash

Postby [XAP]Bob » 28 Oct 2020, 12:42pm

I pretty much exclusively use contactless, I even paid for my recent car purchase via contactless. That rather impressed the garage.

For people with sufficient wealth (i.e. pretty much everyone on this board) cards are fine... but for those who are living at or below the poverty line cash is an essential budgeting tool.

Cash should not be penalised (as it is with prepayment energy meters), nor should it be prevented.
A shortcut has to be a challenge, otherwise it would just be the way. No situation is so dire that panic cannot make it worse.
There are two kinds of people in this world: those can extrapolate from incomplete data.

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Paulatic
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Re: Card Payment only, No Cash

Postby Paulatic » 28 Oct 2020, 12:45pm

At the start of this pandemic I got to grips with ApplePay. I pay for everything now using my phone and unlike scanning a debit card there is no £45 limit. Every transaction readily available to view at any time.
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Tiberius
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Re: Card Payment only, No Cash

Postby Tiberius » 28 Oct 2020, 1:21pm

Paulatic wrote:At the start of this pandemic I got to grips with ApplePay. I pay for everything now using my phone and unlike scanning a debit card there is no £45 limit. Every transaction readily available to view at any time.


And that's just it isn't it, once you get used to (say) Apple Pay there is no turning back?

Approx' three years ago my daughter's boyfriend told me that he used Apple Pay for most purchases. I distinctly remember telling him that I couldn't forsee a time where I would go around paying for everything with a phone. THEN, I got an iPhone that would do Apple Pay and it was game over. I now use it for everything that I can and I've not had one single problem with it.

philvantwo
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Re: Card Payment only, No Cash

Postby philvantwo » 28 Oct 2020, 1:24pm

With Barclays you can block gambling use for your card along with other options and you can temporary freeze your card. Now whenever you use it now they send you a notification that tells you where you've used and how much you've spent.
Bit like Revolut really.

axel_knutt
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Re: Card Payment only, No Cash

Postby axel_knutt » 28 Oct 2020, 2:14pm

There was a guy at our camera club who had some phantom transactions on his card, but when he reported it he just got fobbed off with the "Our system doesn't make mistakes" line.

"In that case, you're accusing me of fraud, why don't you report it to Sgt Bloggs at the police station?"
"Oh, so you know the routine then, do you, sir"
"Well, yes, I would do, I'm a policeman"
"Oh, er, hang on a minute, there is something else we can do...."

So they took his card and investigated. By the time they got back to him, they'd uncovered a gang of employees working in Access HQ cloning fake cards.
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gbnz
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Re: Card Payment only, No Cash

Postby gbnz » 28 Oct 2020, 2:26pm

Well, I tried to buy sausages at the local butchers a couple of months back (Nb. Saw they'd installed a contactless, reader). Benfited me, due to the butcher throwing the sausages at me on a FOC basis and shouting "I'm not a fu......charity :wink:

rotavator
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Re: Card Payment only, No Cash

Postby rotavator » 28 Oct 2020, 2:37pm

This morning I went to my cheapo LBS to buy some rim tapes and had to pay £5 in cash (for a pair for 26" wheels) because they don't take cards. They didn't have any for 700c so off I went to the posh LBS and they tried to charge me £22.99 for them; I walked out although I could have paid by card. The posh LBS gets very little business from me!

pwa
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Re: Card Payment only, No Cash

Postby pwa » 28 Oct 2020, 2:53pm

I have cash lying around all over the house, money that has been given to me for various things but which I have not spent since March because I have been using a debit card instead. I will soon have to make a special masked visit to a bank to get rid of it. I was drifting away from cash anyway but the pandemic has turbocharged the process. I don't want to be handing people slips of plastic cash and getting potentially Covid laced coins back as change.

peetee
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Re: Card Payment only, No Cash

Postby peetee » 28 Oct 2020, 3:04pm

I have paid for a couple of my grocery trips with cash since COVID. On both occasions there was an element of revulsion in the manner of the cashier when taking my notes as if they were riddled with infection. Strange then that they were happy to handle, without gloves, all the goods that I had just handled.
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[XAP]Bob
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Re: Card Payment only, No Cash

Postby [XAP]Bob » 28 Oct 2020, 3:11pm

peetee wrote:I have paid for a couple of my grocery trips with cash since COVID. On both occasions there was an element of revulsion in the manner of the cashier when taking my notes as if they were riddled with infection. Strange then that they were happy to handle, without gloves, all the goods that I had just handled.

Cash has always been a ripe means for infection transfer - I am surprised that they weren't wearing gloves per customer (or hand washing between). The cash has likely been handled by more people over the previous couple of weeks than anything on the shop shelves historically, but yes. a bit odd
A shortcut has to be a challenge, otherwise it would just be the way. No situation is so dire that panic cannot make it worse.
There are two kinds of people in this world: those can extrapolate from incomplete data.

mercalia
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Location: london South

Re: Card Payment only, No Cash

Postby mercalia » 28 Oct 2020, 3:14pm

seems like I am one of only 2 or so here that uses cash. if you have any cash you dont want email me and I will send you an SAE for the notes :D I only use self service tills at lidl etc so there is no need for any one in the shops to touch the money. re the notes it used to be said that most had a smidgen of cocaine as they were used in the drug trade. So you lot are missing some thing :lol:
Last edited by mercalia on 28 Oct 2020, 3:18pm, edited 1 time in total.