David Cantrell writes:

On Sun, Feb 09, 2014 at 07:40:19PM +0000, Roland Perry wrote:
In message , at
16:26:39 on Sun, 9 Feb 2014, Neil Williams
remarked:
Anyone with technology at their fingertips is almost certain to also
have a credit card.
A non-London-resident child?
Travelling on their own?

Happens all the time. When I was in my teens I would quite often travel
up to London and spend a day wandering around museums. And there's
plenty of people of my parents' generation who don't have credit cards.

Contactless cards don't have to be credit cards though. My debit card is
contactless, my credit card isn't. That makes sense as I am not likely
to us my credit card, offline, for sub £20 transactions.

I suppose the next question is are contactless debit cards only given to
a sub-set of customers, maybe with a pre-authorised overdraft?

Phil

On 10/03/2014 20:04, Phil wrote:
[...]
Contactless cards don't have to be credit cards though. My debit card is
contactless, my credit card isn't. That makes sense as I am not likely
to us my credit card, offline, for sub £20 transactions.

I suppose the next question is are contactless debit cards only given to
a sub-set of customers, maybe with a pre-authorised overdraft?

My understanding is is yes (to a subset).

On Mon, Mar 10, 2014 at 08:04:54PM +0000, Phil wrote:
David Cantrell writes:
On Sun, Feb 09, 2014 at 07:40:19PM +0000, Roland Perry wrote:
A non-London-resident child?
Travelling on their own?
Happens all the time. When I was in my teens I would quite often travel
up to London and spend a day wandering around museums. And there's
plenty of people of my parents' generation who don't have credit cards.
Contactless cards don't have to be credit cards though. My debit card is
contactless, my credit card isn't. That makes sense as I am not likely
to us my credit card, offline, for sub ??20 transactions.

Cards issued to children generally require that transactions be done
online, as the circumstances in which a bank can advance credit to a
child are vanishingly rare.

I suppose the next question is are contactless debit cards only given to
a sub-set of customers, maybe with a pre-authorised overdraft?

I would assume so. Having an authorised overdraft facility isn't
actually relevant. The ability to contractually accept terms and the
penalties arising from them (such as a higher rate of interest if you
exceed your overdraft limit) is what matters.

--
David Cantrell | A machine for turning tea into grumpiness

If you have received this email in error, please add some nutmeg
and egg whites, whisk, and place in a warm oven for 40 minutes.

On Mon, 10 Mar 2014 20:04:54 +0000, Phil
wrote:
Contactless cards don't have to be credit cards though. My debit
card is
contactless, my credit card isn't. That makes sense as I am not
likely
to us my credit card, offline, for sub £20 transactions.

Why not? I always use my credit card when I can, rarely my debit
card. It is easier to manage and fraud protection is much better.

Neil

--
Neil Williams. Use neil before the at to reply.

On 12/03/2014 13:22, Neil Williams wrote:

On Mon, 10 Mar 2014 20:04:54 +0000, Phil wrote:
Contactless cards don't have to be credit cards though. My debit
card is
contactless, my credit card isn't. That makes sense as I am not
likely
to us my credit card, offline, for sub £20 transactions.

Why not? I always use my credit card when I can, rarely my debit card.
It is easier to manage and fraud protection is much better.

The fraud protection offered with cash is pretty good, I find.

In message , at 16:33:04 on Thu, 13 Mar
2014, Mizter T remarked:

The fraud protection offered with cash is pretty good, I find.

Never been given a foreign coin or a counterfeit note in your change?

I've had so many problems with people giving me the change for the wrong
amount, that if I pay with a £20 note I always make a point of telling
them what I'm handing over.
--
Roland Perry