I have the best of both worlds. I kept my old bank and credit cards (they have no plans to adopt Apple pay. I asked them directly) and opened a second set of accounts with BofA (which does support Apple pay)Same, switching all our personal and business cards to Amex directly with backup Visa cards with ANZ where Amex can't be used. Too bad NAB, being waiting long enough to get your act together.
A number of other people on this thread, myself included, have also related that they have switched. Is a statement arrogant if it is true?I have cancelled my credit card with NAB (who don't support Apple Pay) and moved somewhere else. That's just me, but still...
what you should just say is "credit card". then use your phone to tap. it works 100%
It doesn't make that statement not true, it just make the statement "Customers won't change" also true. It the similar to cars have power windows, just because some don't, doesn't mean the statement is not true.It's also still not true. She said customers. I'm a customer.I wouldn't change.
Apple should have gone with a similar tech instead of a stupid proprietary solution that involves an extra reader.
NFC isn't a "proprietary solution", nor is an "extra reader" required. Apple Pay works on any NFC-enabled terminal. There are very few old-style terminals over here in NZ that only accept swipe or chip-insert cards, and they are gradually being replaced by contactless ones.
For me, the whole point of Apple Pay (apart from the increased security) is that I don't have to get my phone or wallet out at all, and for small purchases I don't need to type in a PIN (which is always required with a swipe). If you have to get your phone out you may as well use a card I guess.
The bank I'm with started offering contactless phone payments based on the NFC HCE standard, which, given I use an Android phone, suited me just fine.
All that said, many people just put their contactless credit/debit cards in a phone case et volia, contactless "phone" payments!
(Yes it's not as secure, but how many people know/care about that?)
With Apple Pay and a watch, though, you never need to get your card/wallet/phone out. That's the difference in convenience. There's very little convenience benefit in using a phone over a card, as they're usually in the same place anyway.
Agreed, and that's a good use for the watch, though I'm not sure if enough justification to get/wear one. How does it work if you have multiple cards/accounts? Does it display a list? (i.e.: Bank A - checking, Bank A - savings, Bank B checking, Visa A, MasterCard A, etc.)
I believe that you can scroll through different cards with the crown wheel, but for me that would be a bit of a waste of time. I have the one ANZ "Apple Pay" account which is simply used for everything I pay for with Apple Pay. Every now and then I throw a chunk of money at that account from my other accounts either from the same or other banks.
Apple Pay on the watch is just another one of those things that you end up finding the watch incredibly handy for. A year ago the Apple Watch was a bit of a gimmick. After having it always there with reminder complications, automatic login, alarms, Apple Pay, messages, loyalty cards, siri and so on it just slowly grows to be almost indispensable. Quite scary really.
Heh, maybe you Watch folks will win me over one day. Death (of my Watch-resisting ways) by 1000 micro-uses.I guess so long as I have to carry the phone anyway, I just do all those things on the phone. But, I'm also not really a watch person, so prefer not wearing one. If I did, and w/ a few of those uses, that might do it.
How did I not think of this? Seems like common sense. Thanks for the tip, definitely going to do this going forward.