COcheesehead
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Don’t use a debit card for a brokerage account. Set up a cash management account instead and use that for spending cash.
Don’t use a debit card for a brokerage account. Set up a cash management account instead and use that for spending cash.
But the serious money accounts don't need to be linked. I have a basic checking that doesn't have overdraft. Convenience without serious money. That account is also linked to privacy.com, where I generate credit card numbers for those subscriptions/services that make it near impossible to cancel (make you navigate a phone tree and hang on the phone forever to cancel). A logon and a single click to pause their card is all that's required.Oh, I am not particularly worried about credit cards; they are reasonably well protected by statute. I am more concerned about bank accounts and brokerage accounts -- where the serious money is. But, always, YMMV.
I dunno. A rule that no financial apps go on any portable devices is simple and I do not feel that my quality of life is in any way diminished. Regarding subscriptions, my simple rule there is to avoid them like the plague. I think I have two, possibly three, and no bad actors. This also eliminates any concern about the privacy at privacy.comBut the serious money accounts don't need to be linked. I have a basic checking that doesn't have overdraft. Convenience without serious money. That account is also linked to privacy.com, where I generate credit card numbers for those subscriptions/services that make it near impossible to cancel (make you navigate a phone tree and hang on the phone forever to cancel). A logon and a single click to pause their card is all that's required.
Cool!
As tourists we’ve been much relieved by the Apple Pay adoption in Europe.
I have a First Tech pin priority CC that comes in handy for buying metro and train tickets at the station. But that’s about all I used it for the last trip - really just the metro/tram. Train tickets were purchased online.I use Apple Pay everywhere in Europe. It works seamlessly from my Apple Watch and it’s rare to find a place where it doesn’t work.
I have a First Tech pin priority CC that comes in handy for buying metro and train tickets at the station. But that’s about all I used it for the last trip - really just the metro/tram. Train tickets were purchased online.
We also carry cash for various things, but it doesn’t help in the automated ticket machines.
Really? I hadn’t encountered using Apple Pay at ticket machines. That’s encouraging. Last Europe visit was 2019.Apple Pay has worked at the automated metro/train ticket machines that I’ve encountered. It’s been a long time since I’ve had to use a credit card and I had the same First Tech card many years ago for the same reason.
The best part is when you can use Apple Pay to enter/exit the metro. I used this a lot in the London Underground.
I did have one case where I couldn’t get the metro ticket machine in Rome to take Apple Pay or credit card. In that case I used cash to buy tickets. Not sure why it didn’t work, but it wasn’t a major metro stop and I suspect it was an older machine.
Really? I hadn’t encountered using Apple Pay at ticket machines. That’s encouraging. Last Europe visit was 2019.
I had heard about the London Underground.
I’ve been in many situations in Europe where cash was not an option or involved an extremely long wait.
For those of you with numberless cards in the USA do you still require signatures for purchases over the contactless limit?
Some merchants are archaic, requiring a signature for even a small purchase, whether you use ApplePay or a card. Thankfully, most do not.
That’s funny, as we don’t buy gas anymore. When charging there is no human payment transaction. You just plug in the charger. The charger talks to your car and identifies your account automatically. Now that is cool!My favorite use of a contactless card is at Costco gas.
The Costco Citi Visa is also the membership card and they must include the membership info in the data transmitted because you can simple tap the card at the reader on the pump and it knows who you are and charges the credit card.
One tap and that’s it. Nice.
We recently rode the Metro in Newcastle and it uses Apple Pay, as do all the buses around here.
For those of you with numberless cards in the USA do you still require signatures for purchases over the contactless limit?
Really? I hadn’t encountered using Apple Pay at ticket machines. That’s encouraging. Last Europe visit was 2019.
I had heard about the London Underground.
I’ve been in many situations in Europe where cash was not an option or involved an extremely long wait.
I don’t know what’s the contactless limit, but I’ve never been prompted for a signature when using Apple Pay.
I have, many times. Even for small amounts. No way to predict it in advance.
It’s system driven. If the merchant uses something like Square and you have an email or text address registered from previous transactions, no signature is required for contactless transactions. Your receipt is an email or text sent to you immediately.
I work part time at a winery that uses Square and we get foreign visitors many who use their phones or Apple watches to make transactions. Most folks from the US still insist on inserting something. They usually comment that they have never tapped.
It may have changed some, but for many sites your email is a "financial app." Most sites have a "forgot password" link, and most of them mail the password-recovery link to your registered email address. If the bad guy has your phone and can open your email, you're in trouble.I don't put financial apps on my phone either, and don't pay with my phone.It would violate my rule against having any financial apps on my phone or tablet.
Well, certainly no system is perfect, but in order to do what you say:It may have changed some, but for many sites your email is a "financial app." Most sites have a "forgot password" link, and most of them mail the password-recovery link to your registered email address. If the bad guy has your phone and can open your email, you're in trouble.
My bank is similar. They will text a password-recovery key to your already-registered phone number. But again, if the bad guy has your phone ...