I’ve gladly given up Google pay, can you really rely on your phone and completely go without a card anyways? I always carried my cards as a backup just in case so it’s hardly a convenience IMO
I suppose it’s just a matter of perspective. “Needs to” is a bit strong imo. Do you carry a license? Those are generally not available digitally. Also what about a worst case scenario where your phone is dead, broken, stolen, or payments are not working?
There’s also the risk that credit card companies are claiming that fraud done using your phone app (for example, someone stole your unlocked phone(*)) is not covered, and you are on the hook for losses.
But stolen physical credit cards are always covered.
Credit card companies can claim whatever they want, that’s not how their agreement works. They need to cover. But also the risk of someone stealing my unlocked phone is so exponentially lower than the risk of someone stealing my cards that I’m not even remotely concerned.
Interesting, but I don’t think there’s anything in that article that actually mentions credit card companies did not cover the loss? Did I miss that somehow?
I’d likely make the jump if they supported Google pay. But they don’t, so iPhone it is now
I’ve gladly given up Google pay, can you really rely on your phone and completely go without a card anyways? I always carried my cards as a backup just in case so it’s hardly a convenience IMO
I don’t remember the last time I brought my cards with me. Needs to be on my phone.
I suppose it’s just a matter of perspective. “Needs to” is a bit strong imo. Do you carry a license? Those are generally not available digitally. Also what about a worst case scenario where your phone is dead, broken, stolen, or payments are not working?
“Needs to” may be a bit strong for you, but for me it’s legit. I will NOT switch to an OS without Google Pay, Apple Pay, or Samsung Pay.
If my phone is dead, broken, or stolen, I use my watch.
There’s also the risk that credit card companies are claiming that fraud done using your phone app (for example, someone stole your unlocked phone(*)) is not covered, and you are on the hook for losses.
But stolen physical credit cards are always covered.
(*)https://www.fox9.com/news/passcode-predators-inside-cell-phone-theft-ring-drained-online-accounts
Credit card companies can claim whatever they want, that’s not how their agreement works. They need to cover. But also the risk of someone stealing my unlocked phone is so exponentially lower than the risk of someone stealing my cards that I’m not even remotely concerned.
Interesting, but I don’t think there’s anything in that article that actually mentions credit card companies did not cover the loss? Did I miss that somehow?