Anybody not carry the actual credit cards since using Apple Pay?

Luba

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Original poster
Apr 22, 2009
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I'm thinking since I use Apple Pay of not carrying most of the actual credit cards on Apple Pay. How often do you run into situations in which you wish you had the actual plastic/metal credit card?
 

dwfaust

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Jul 3, 2011
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I'm thinking since I use Apple Pay of not carrying most of the actual credit cards on Apple Pay. How often do you run into situations in which you wish you had the actual plastic/metal credit card?
I have two credit cards and a debit card in my wallet at all times... and use them fairly often... there are still places in Phoenix that don't take Pay, unfortunately.
 
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Böhme417

macrumors 6502a
Mar 11, 2009
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I'm thinking since I use Apple Pay of not carrying most of the actual credit cards on Apple Pay. How often do you run into situations in which you wish you had the actual plastic/metal credit card?
Every time getting gas or dining at a restaurant...

(and a lot of other times given how many places still don’t accept contactless payments)
 

Luba

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Original poster
Apr 22, 2009
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And sometimes, even if they take it, it doesn't work!
Oooo, I figured that Apple Pay was rock solid and the only thing to worry about was whether they took it. Some stores have the equipment but was told by store employees they decided not to turn it on as Apple Pay charges them more than dipping a credit card into the payment machine.
 

MisterSavage

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Nov 10, 2018
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Oooo, I figured that Apple Pay was rock solid and the only thing to worry about was whether they took it. Some stores have the equipment but was told by store employees they decided not to turn it on as Apple Pay charges them more than dipping a credit card into the payment machine.
It doesn't happen often for me but it does happen.
 

CTHarrryH

macrumors 68020
Jul 4, 2012
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Some store that take it - works some times and other times not. At local grocery store one clerk told me that it doesn't work at certain terminals and mgmt doesn't think it is worth fixing since number of users is low. I think a long time before actual cards become unneeded.
 

tmiw

macrumors 68020
Jun 26, 2007
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San Diego, CA
I could see eventually going down to one or two physical cards for backup, but I'm not sure the US will ever get to the point where you can use AP everywhere. At least without the card networks mandating it, anyway.

On that note, I've been meaning to redo what's in my wallet, so maybe that's a good time to test whether this is even remotely possible.
 

dontwalkhand

macrumors 603
Jul 5, 2007
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Phoenix, AZ
I have two credit cards and a debit card in my wallet at all times... and use them fairly often... there are still places in Phoenix that don't take Pay, unfortunately.
I’m in Phoenix. I have Walmart Pay and Kroger Pay set up as well. I am now able to get by with just my phone about 90% of the time. For the remaining 10% I carry just a single card (soon to be Apple Card) and an ID.

Ps: download Pass2Go for the bus/train and download ParkMobile for parking. Download the Costco app for the Costco card. No cards needed, has Apple Pay.

For gas stations the Shell app, and Mobil Speedpass app. Both also have Apple Pay. Circle K stations have Apple Pay directly in the pump.

Also my inside sources at ADOT says mobile drivers licenses should be out around December. One less card now, after this I’d just need to do nothing but carry that single Apple Card with me.
 

dwfaust

macrumors 604
Jul 3, 2011
6,573
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I’m in Phoenix. I have Walmart Pay and Kroger Pay set up as well. I am now able to get by with just my phone about 90% of the time. For the remaining 10% I carry just a single card (soon to be Apple Card) and an ID.

Ps: download Pass2Go for the bus/train and download ParkMobile for parking. Download the Costco app for the Costco card. No cards needed, has Apple Pay.

For gas stations the Shell app, and Mobil Speedpass app. Both also have Apple Pay. Circle K stations have Apple Pay directly in the pump.

Also my inside sources at ADOT says mobile drivers licenses should be out around December. One less card now, after this I’d just need to do nothing but carry that single Apple Card with me.
I have the Costco app w my membership card and ApplePay. I refuse to use the store specific payment apps (Walmart and Kroger/Frys).
 
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MisterSavage

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Nov 10, 2018
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I have the Costco app w my membership card and ApplePay. I refuse to use the store specific payment apps (Walmart and Kroger/Frys).
Ditto. They can pound sand with that proprietary payment malarkey. Can't wait to see them have the same result as "CurrentC" did with CVS and others.
 

5KDan

macrumors member
Sep 21, 2017
76
66
Michigan
I may be able to lighten my wallet of a few cards that I only use in places that accept Apple Pay. Unfortunately, I’m still forced to use cards at our office cafeteria, most restaurants and one of the two gas stations I frequent.

I’d love to get rid of my physical wallet entirely.
[doublepost=1565308712][/doublepost]
And sometimes, even if they take it, it doesn't work!
And at one of our local supermarkets, it’s a bit wonky when using AmEx payment cards... i always have to try at least twice before it works.
 

MisterSavage

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Nov 10, 2018
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I may be able to lighten my wallet of a few cards that I only use in places that accept Apple Pay. Unfortunately, I’m still forced to use cards at our office cafeteria, most restaurants and one of the two gas stations I frequent.
I love that I don't have to carry the no-fee cards that I'm only keeping open for credit history on my watch. Every couple of months it easy to use the watch to pay for something with one of them to keep it active.
 
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dontwalkhand

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Jul 5, 2007
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Phoenix, AZ
Ditto. They can pound sand with that proprietary payment malarkey. Can't wait to see them have the same result as "CurrentC" did with CVS and others.
Oh tell me about it, I hate these apps. I am only forced to use it because I would much rather “thin wallet” or in my case no wallet- just a card sleeve with an ID And one card. In a perfect world the whole world would just have PayPass/PayWave to facilitate however someone wants to pay (with no stupid limits either), wether tapping a phone, watch, or a physical card.
 
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TerryClarke1987

macrumors member
Jun 14, 2019
48
22
I'm thinking since I use Apple Pay of not carrying most of the actual credit cards on Apple Pay. How often do you run into situations in which you wish you had the actual plastic/metal credit card?
I take a credit card with me "just in case". The technology still can fail or you can run out of battery so it is safer to have a physical credit card.
 

iGeek2019

macrumors regular
Jul 26, 2019
220
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United Kingdom
There are a lot of places in the UK where contactless is capped at £30 so cards are needed still.

Plus you have to enter your PIN periodically to ‘prove’ you’re the cardholder.
 

myscrnnm

macrumors 65816
Sep 16, 2014
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Seattle, WA
I still carry all my credit cards with me. There are simply too many places that I go to that don't have the option of contactless payments, especially restaurants. Also a lot of self-serve locations like vending machines and kiosks.
 
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eddimax

macrumors member
Nov 26, 2015
72
23
All cards I have on ApplePay i usually leave at home. In wallet i carry just one card - Curve Mastercard where i have linked like 7-8 other cards in case shop dont support ApplePay.
 

TerryClarke1987

macrumors member
Jun 14, 2019
48
22
All cards I have on ApplePay i usually leave at home. In wallet i carry just one card - Curve Mastercard where i have linked like 7-8 other cards in case shop dont support ApplePay.
That is a good solution if you don't want to bring several cards with you. :)
 

ecschwarz

macrumors 65816
Jun 28, 2010
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Oooo, I figured that Apple Pay was rock solid and the only thing to worry about was whether they took it. Some stores have the equipment but was told by store employees they decided not to turn it on as Apple Pay charges them more than dipping a credit card into the payment machine.
Yeah, that sentiment is incorrect, as Apple charges the issuing bank a small portion of the transaction for Apple Pay (and they see it as a way to add a layer of security for cheap, and it's not passed along to the merchant. The "interface" shouldn't matter, as long as it's treated as card-present. That's become an ongoing myth, especially among random people at Kroger or Walmart, when it's really a corporate policy.

For me, I basically carry one or two cards and my license, but use Apple Pay 95% of the time and have all my cards in there (I don't go to Walmart often and the gas stations I typically visit have NFC panels on the pumps).
 

tmiw

macrumors 68020
Jun 26, 2007
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San Diego, CA
Yeah, that sentiment is incorrect, as Apple charges the issuing bank a small portion of the transaction for Apple Pay (and they see it as a way to add a layer of security for cheap, and it's not passed along to the merchant. The "interface" shouldn't matter, as long as it's treated as card-present. That's become an ongoing myth, especially among random people at Kroger or Walmart, when it's really a corporate policy.

For me, I basically carry one or two cards and my license, but use Apple Pay 95% of the time and have all my cards in there (I don't go to Walmart often and the gas stations I typically visit have NFC panels on the pumps).
Actually, it could cost merchants more but not because of Apple Pay per se. It's more due to routing debit cards over Visa/MC, since that tends to be more expensive in general. While some stores do try to run debit over networks other than Visa or MC when you use NFC (such as Safeway), it tends to produce PIN prompts and other UX issues for those using their phones to pay. Plus, it might cause more credit card use, which also costs them more (whereas their customer base might be more likely to use debit cards now).

In fact, adopting their own apps has apparently significantly reduced how much they're paying in interchange. I'm not sure many are going to easily give up on that without something in return.
 
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