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

Discussion in 'Apple Music, Apple Pay, iCloud, Apple Services' started by Luba, Aug 7, 2019.

  1. Luba macrumors 65816

    Luba

    Joined:
    Apr 22, 2009
    #1
    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?
     
  2. dwfaust, Aug 7, 2019
    Last edited: Aug 7, 2019

    dwfaust macrumors 603

    dwfaust

    Joined:
    Jul 3, 2011
    #2
    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.
     
  3. MisterSavage macrumors 65816

    MisterSavage

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    Nov 10, 2018
    #3
    I use Apple Pay every chance I can get but I would never not carry a credit card. Plenty of places don't take it.
     
  4. Böhme417 macrumors 6502a

    Joined:
    Mar 11, 2009
    #4
    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)
     
  5. scmill macrumors regular

    scmill

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    Jun 18, 2018
    Location:
    Spartanburg SC
    #5
    And sometimes, even if they take it, it doesn't work!
     
  6. pojo1806 macrumors 68020

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    United Kingdom
    #6
    A lot of places in the UK don't accept Apple Pay/Contactless over £30 still.
     
  7. Luba thread starter macrumors 65816

    Luba

    Joined:
    Apr 22, 2009
    #7
    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.
     
  8. MisterSavage macrumors 65816

    MisterSavage

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    Nov 10, 2018
    #8
    It doesn't happen often for me but it does happen.
     
  9. CTHarrryH macrumors 68000

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    Jul 4, 2012
    #9
    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.
     
  10. tmiw macrumors 68020

    Joined:
    Jun 26, 2007
    Location:
    San Diego, CA
    #10
    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.
     
  11. dontwalkhand macrumors 603

    dontwalkhand

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    Jul 5, 2007
    Location:
    Phoenix, AZ
    #11
    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.
     
  12. dwfaust macrumors 603

    dwfaust

    Joined:
    Jul 3, 2011
    #12
    I have the Costco app w my membership card and ApplePay. I refuse to use the store specific payment apps (Walmart and Kroger/Frys).
     
  13. MisterSavage macrumors 65816

    MisterSavage

    Joined:
    Nov 10, 2018
    #13
    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.
     
  14. 5KDan macrumors member

    Joined:
    Sep 21, 2017
    Location:
    Michigan
    #14
    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.
    --- Post Merged, Aug 8, 2019 ---
    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.
     
  15. MisterSavage macrumors 65816

    MisterSavage

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    Nov 10, 2018
    #15
    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.
     
  16. dontwalkhand macrumors 603

    dontwalkhand

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    Jul 5, 2007
    Location:
    Phoenix, AZ
    #16
    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.
     
  17. TerryClarke1987 macrumors member

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    Jun 14, 2019
    #17
    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.
     
  18. Heineken macrumors 65816

    Heineken

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    Jan 27, 2018
    #18
    I don't have a wallet on me for over 2 years.
     
  19. iGeek2019 macrumors newbie

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    Jul 26, 2019
    Location:
    United Kingdom
    #19
    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.
     
  20. YaBe macrumors 6502a

    YaBe

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    Oct 5, 2017
    #20
    You only need once to regret not having it:D
     
  21. myscrnnm macrumors 65816

    myscrnnm

    Joined:
    Sep 16, 2014
    Location:
    Seattle, WA
    #21
    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.
     
  22. eddimax macrumors member

    Joined:
    Nov 26, 2015
    #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.
     
  23. TerryClarke1987 macrumors member

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    Jun 14, 2019
    #23
    That is a good solution if you don't want to bring several cards with you. :)
     
  24. ecschwarz macrumors 65816

    ecschwarz

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    Jun 28, 2010
    #24
    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).
     
  25. tmiw macrumors 68020

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    Jun 26, 2007
    Location:
    San Diego, CA
    #25
    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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39 August 7, 2019