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| Re: MVM credit card difficulties (1393999) | |
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| (1394193) | |
Re: MVM credit card difficulties |
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Posted by Terrapin Station on Sun May 1 20:40:42 2016, in response to Re: MVM credit card difficulties, posted by AlM on Sun May 1 12:20:23 2016. The phone is pumping out the same RFID signal that the credit card pumps out. So it's the same technology on both ends. It's just that the phone selectively pumps out the RFID signal whereas the credit card is always broadcasting (or rather it's always listening for a prompt to broadcast - not sure which one it is offhand) |
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| (1394194) | |
Re: MVM credit card difficulties |
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Posted by Terrapin Station on Sun May 1 20:41:03 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Sun May 1 12:17:38 2016. IAWTP |
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| (1394196) | |
Re: MVM credit card difficulties |
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Posted by Terrapin Station on Sun May 1 20:42:29 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Sun May 1 14:17:07 2016. Not everyone who uses public transit has plastic and Smartphones.But almost everyone SHOULD have the former. That they don't is a deficiency on their part. |
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| (1394197) | |
Re: MVM credit card difficulties |
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Posted by Terrapin Station on Sun May 1 20:45:22 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Sun May 1 12:47:56 2016. I am not burning up data charges to buy a sandwich at Starbucks, add money to my MC, or show a conductor my virtual ticket.As SP said, you don't need to use data to make a mobile payment. That said, if you are running low on data, there are free cellphone plans (well, after a $29 one-time fee) that give you up to 4GB of free data per month. It's practically free. 4GB would allow you to do a lot of adding money to your MC. Buying a sandwich at Starbucks and showing a C/R your virtual ticket could still be done without using any data. |
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| (1394199) | |
Re: MVM credit card difficulties |
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Posted by AlM on Sun May 1 20:47:05 2016, in response to Re: MVM credit card difficulties, posted by Terrapin Station on Sun May 1 20:40:42 2016. Pretty sure RFID devices only broadcast when prompted. Their batteries would go dead soon otherwise. My EZ-Pass (similar technology) and my company ID card have been going strong for years. |
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| (1394202) | |
Re: MVM credit card difficulties |
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Posted by Terrapin Station on Sun May 1 20:49:32 2016, in response to Re: MVM credit card difficulties, posted by AlM on Sun May 1 20:47:05 2016. The batteries don't last forever. My E-ZPass tag has been replaced by the issuer. |
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| (1394204) | |
Re: MVM credit card difficulties |
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Posted by AlM on Sun May 1 20:50:26 2016, in response to Re: MVM credit card difficulties, posted by Terrapin Station on Sun May 1 20:49:32 2016. Not forever, of course. No way they could. But 10 years, which wouldn't be possible if they were always transmitting. |
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Posted by Terrapin Station on Sun May 1 20:58:37 2016, in response to Re: MVM credit card difficulties, posted by AlM on Sun May 1 20:50:26 2016. The way I understood it is that they broadcast a VERY weak signal and thus use minimal power. Which may still be true. But you are saying that they only broadcast that very weak signal when promoted. Makes sense. That's why I mentioned it as a possibility in my original post. It was somewhere in my brain. |
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| (1394206) | |
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Posted by Terrapin Station on Sun May 1 20:59:00 2016, in response to Re: MVM credit card difficulties, posted by AlM on Sun May 1 20:50:26 2016. The way I understood it is that they broadcast a VERY weak signal and thus use minimal power. Which may still be true. But you are saying that they only broadcast that very weak signal when *prompted*. Makes sense. That's why I mentioned it as a possibility in my original post. It was somewhere in my brain. |
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| (1394209) | |
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Posted by Spider-Pig on Sun May 1 21:14:08 2016, in response to Re: MVM credit card difficulties, posted by Terrapin Station on Sun May 1 20:35:17 2016. I don't know the details about RFID skimming. |
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| (1394210) | |
Re: MVM credit card difficulties |
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Posted by Spider-Pig on Sun May 1 21:15:29 2016, in response to Re: MVM credit card difficulties, posted by AlM on Sun May 1 20:47:05 2016. I doubt that credit cards have batteries. I assume that they function only in the presence of an appropriate magnetic field. |
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| (1394215) | |
Re: MVM credit card difficulties |
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Posted by pragmatist on Sun May 1 22:36:08 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Sun May 1 21:15:29 2016. They can be either way depending on what you are trying top accomplishRadio-frequency identification Radio-frequency identification (RFID) uses electromagnetic fields to automatically identify and track tags attached to objects. The tags contain electronically stored information. Passive tags collect energy from a nearby RFID reader's interrogating radio waves. Active tags have a local power source such as a battery and may operate at hundreds of meters from the RFID reader. |
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| (1394220) | |
Re: MVM credit card difficulties |
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Posted by Henry R32 #3730 on Mon May 2 01:48:34 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Sun May 1 12:41:15 2016. If you're using a chip-and-pin machine you need to use a debit card... almost no US credit cards have the type of PIN needed for those machines. Ironically, the reason for this is the confusion you alluded to: we are used to PIN = cash/debit transaction, no PIN = credit. In Canada PIN can be used for all transactions, the machine allows you to select credit or debit if it is not a credit-only card.That said I generally just use cash to add money to my Opus card... in Sydney it was worse. The machines to add to cards required pin and accepted no cash. I ended up having to go to the local 7-11 just to use cash (until I learned I could use my debit card). |
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| (1394221) | |
Re: MVM credit card difficulties |
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Posted by AEM-7AC #901 on Mon May 2 04:32:35 2016, in response to Re: MVM credit card difficulties, posted by Henry R32 #3730 on Mon May 2 01:48:34 2016. If you're using a chip-and-pin machine you need to use a debit cardIIRC, credit cards issued by Barclays for the US market have chip and pin. |
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| (1394236) | |
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Posted by Fisk Ave Jim on Mon May 2 11:43:13 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Sun May 1 10:58:10 2016. "Citi is another outfit we will not do business with no way, no how."Amen to that! I was late with a payment ONE TIME & with the next bill they jacked my rate up to 29.99 %. I could have gotten a better rate from the "mob"! Paid the balance off, cut up the card & good riddance to them!! |
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| (1394248) | |
Re: MVM credit card difficulties |
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Posted by terRAPIN station on Mon May 2 13:40:28 2016, in response to Re: MVM credit card difficulties, posted by Fisk Ave Jim on Mon May 2 11:43:13 2016. Any time I've been accidentally late with a payment to Citi or AMEX or whomever, I've just called them up and explained the issue and they removed any late fees and interest charges and didn't increase my interest rate. Did you call them? |
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Posted by Fisk Ave Jim on Mon May 2 15:48:21 2016, in response to Re: MVM credit card difficulties, posted by terRAPIN station on Mon May 2 13:40:28 2016. "Did you call them?"Yes...several times. Told them the bill got lost in the mail (truth..got whacked with a late fee too)' The reply was I should have taken their advantage of their on line banking services. Therefore, "I don't qualify for a rate reduction at this time"...a direct quote from a live customer service rep. I'd have had a few problems with other banks spanning several years & they always responded favorably to my phone call by waiving the penalty & not raising the interest to usurious rates. Not Citibank |
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| (1394281) | |
Re: MVM credit card difficulties |
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Posted by Joe V on Mon May 2 17:55:20 2016, in response to Re: MVM credit card difficulties, posted by Henry R32 #3730 on Mon May 2 01:48:34 2016. When I last used a ticket vending machine in Montreal in 2014, there were no chip cards. Most US credit cards have PINs, usually delivered with the card, for Cash Advances. Interest will hit you from the moment on. I don't remember the AMT menu options. |
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| (1394282) | |
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Posted by Joe V on Mon May 2 18:03:46 2016, in response to Re: MVM credit card difficulties, posted by Fisk Ave Jim on Mon May 2 15:48:21 2016. HSBC used to be a credit card issuer. Back when it was Buffalo-based Marine Midland, it was a nice bank. But HSBC eventually got the worse customer ratings than Capital One, the 2nd worse on the scale I saw, and that takes some effort.I was once 20 cents short of a full CC payment. They charged me whatever interest rate it was on the entire balance, 30 days worth, which was about $6. I called them to take it off, but they would not. I told them I will shut down the account if they do not. They would not budge. I wrote a poison later to cancel the account. Then they took the charge off, but did not close the account. I never used it again. They shut the account down after a year of no use. |
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| (1394284) | |
Re: MVM credit card difficulties |
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Posted by Joe V on Mon May 2 18:22:30 2016, in response to Re: MVM credit card difficulties, posted by Terrapin Station on Sun May 1 20:42:29 2016. You cannot require people to have a bank account to use public transit."Deficiency" is your subjective opinion. I never used debit cards as such, only as ATM cards to take out cash, which is not often. I have known of (not directly) of people who had a savings account, and used money orders in lieu of checks. |
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| (1394285) | |
Re: MVM credit card difficulties |
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Posted by Joe V on Mon May 2 18:24:56 2016, in response to Re: MVM credit card difficulties, posted by Terrapin Station on Sun May 1 20:45:22 2016. Nonetheless, I am not waving around credit cards, debit cards nor Smartphones in public, especially around turnstiles.Get one snatched, and you'll learn your lesson. |
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| (1394286) | |
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Posted by Spider-Pig on Mon May 2 18:31:28 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Mon May 2 18:22:30 2016. Yes, but I was talking about smart phones as a solution to issues involving credit cards. I was not talking about abolishing cash payments.Even then, having a credit or debit card is a very low bar. Less than having a smartphone. |
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| (1394293) | |
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Posted by Spider-Pig on Mon May 2 20:11:34 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Mon May 2 18:24:56 2016. I don't particularly care if my credit card is stolen. The card is cancelled, they mail a new one and credit the fraudulent charges. As opposed to cash. Or an ordinary farecard.As for phones, I "wave" my phone around the subway all the time. It is not more likely to be stolen near a turnstile. Finally, while cell phone thefts are a thing, you do seem to be stuck in the 70s with regard to crime, so I don't intend to take your advice on crime prevention. |
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| (1394295) | |
Re: MVM credit card difficulties |
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Posted by Joe V on Mon May 2 20:21:33 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Mon May 2 20:11:34 2016. New credit cards take a week to come in the mail. Then any auto payments you have connected to that card have to be changed, hotels rooms you have reserved with that card should be changed to a new card. I'd rather lose $5 on a replacement fare card.As for Smartphones, you of all people - you have your whole life on that damned phone - your finances, alarm clock, radio, e-mail ID's. Yes, in 2016, it can be snatched - easily. When waving them around turnstiles comes with new fare collection, they will become a big target in that area. |
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| (1394298) | |
Re: MVM credit card difficulties |
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Posted by AlM on Mon May 2 20:29:46 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Mon May 2 20:11:34 2016. I don't particularly care if my credit card is stolenLast time it happened to me (someone charged a flight in Malaysia to my card) it took a few hours out of my life. |
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| (1394299) | |
Re: MVM credit card difficulties |
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Posted by Spider-Pig on Mon May 2 20:30:50 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Mon May 2 20:21:33 2016. When I recently lost my Amex in Jamaica, NY, they fedexed the replacement.I would rather not. Those things you describe are trivial to fix and cost less than $5. I have more than one credit card. So during those few days, I used a different one. Every single one of those things you described are synced/backed up. I would lose hundreds of dollars replacing the phone, but I would not lose a single piece of important data. Regardless, my point stands about taking my phone out at the turnstile not increasing the chance of theft by any useful measure. Finally, I wouldn't take out my phone at all; I have a smartwatch. |
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| (1394300) | |
Re: MVM credit card difficulties |
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Posted by Spider-Pig on Mon May 2 20:32:09 2016, in response to Re: MVM credit card difficulties, posted by AlM on Mon May 2 20:29:46 2016. I hope it was MH17. |
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| (1394304) | |
Re: MVM credit card difficulties |
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Posted by AlM on Mon May 2 20:44:37 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Mon May 2 20:32:09 2016. No, it was last December. |
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| (1394316) | |
Re: MVM credit card difficulties |
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Posted by Fisk Ave Jim on Mon May 2 22:03:28 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Mon May 2 18:03:46 2016. "HSBC used to be a credit card issuer. Back when it was Buffalo-based Marine Midland, it was a nice bank."Wasn't HSBC known as "Republic National" at one time?? |
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Posted by Spider-Pig on Mon May 2 22:05:45 2016, in response to Re: MVM credit card difficulties, posted by Fisk Ave Jim on Mon May 2 22:03:28 2016. No. Republic National was bought by HSBC. |
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Re: MVM credit card difficulties |
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Posted by Fisk Ave Jim on Mon May 2 22:07:43 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Mon May 2 22:05:45 2016. OK, thanks! |
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Posted by TerrApin Station on Mon May 2 23:52:09 2016, in response to Re: MVM credit card difficulties, posted by Fisk Ave Jim on Mon May 2 15:48:21 2016. Ok, that's weird. |
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Re: MVM credit card difficulties |
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Posted by TerrApin Station on Mon May 2 23:53:07 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Mon May 2 18:03:46 2016. 20 cents short of the minimum payment or the full balance due? |
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Posted by TerrApin Station on Mon May 2 23:58:09 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Mon May 2 18:31:28 2016. Yep. |
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Re: MVM credit card difficulties |
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Posted by Terrapin Station on Tue May 3 00:04:55 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Mon May 2 18:22:30 2016. You cannot require people to have a bank account to use public transit. "Deficiency" is your subjective opinion.Why not? Maybe we should? Because all adults should have a bank account if they want a chance of being successful in life. So why not use public transit to force them to get a bank account? I never used debit cards as such, only as ATM cards to take out cash, which is not often.Same here. But that's because I have credit cards to use for purchases. For people with such poor credit/finances that they can't get a non-predatory credit card and thus only have the debit/ATM card that comes with a checking account, what's wrong with using that card for their transit purchases? |
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Re: MVM credit card difficulties |
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Posted by Terrapin Station on Tue May 3 00:06:17 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Mon May 2 20:30:50 2016. Excellent post! |
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Posted by Terrapin Station on Tue May 3 00:06:49 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Mon May 2 20:21:33 2016. I agree with Spider-Pig's response. Also note that our phones have passcodes. |
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| (1394343) | |
Re: MVM credit card difficulties |
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Posted by Terrapin Station on Tue May 3 00:07:04 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Mon May 2 20:11:34 2016. another great poat |
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Re: MVM credit card difficulties |
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Posted by Terrapin Station on Tue May 3 00:07:55 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Mon May 2 18:24:56 2016. Nonetheless, I am not waving around credit cards, debit cards nor Smartphones in public, especially around turnstiles.There's no logical reason for your views. |
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| (1394345) | |
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Posted by Spider-Pig on Tue May 3 00:37:28 2016, in response to Re: MVM credit card difficulties, posted by Terrapin Station on Tue May 3 00:06:49 2016. Oh yeah, there's that. None of my phone's data would be accessible to any thief.Also, this. |
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Posted by Spider-Pig on Tue May 3 00:38:31 2016, in response to Re: MVM credit card difficulties, posted by Terrapin Station on Tue May 3 00:07:55 2016. I see his reason for not waving around a smartphone in public, but it is overly paranoid. |
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Posted by Terrapin Station on Tue May 3 01:12:23 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Tue May 3 00:38:31 2016. People wave around that stuff in stores. The subway turnstiles are almost not much different. In fact, there may be even more security cameras aimed at any given turnstile than there are at any given cash register. |
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Posted by MorningsideHeightsM100 on Tue May 3 07:44:38 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Mon May 2 22:05:45 2016. Yup.I had a RN account for years before the HSBC takeover. Once I saw they were taking RN over, I closed my account. Same crap happened a few years later, when I had a WaMu account and found out they were being taken over by Chase. I closed my account the next day. |
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Re: MVM credit card difficulties |
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Posted by MorningsideHeightsM100 on Tue May 3 07:49:34 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Mon May 2 20:30:50 2016. Agreed on the smartwatch. I just got the Samsung Gear S2 classic. Has NFC capabilities.Tap smartwatch on turnstile target. :BEEP::CLICK: GO through turnstile. |
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Posted by TransitChuckG on Tue May 3 09:27:48 2016, in response to Re: MVM credit card difficulties, posted by MorningsideHeightsM100 on Tue May 3 07:49:34 2016. Sounds great,my son has the Apple watch, loves it. |
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Re: MVM credit card difficulties |
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Posted by MorningsideHeightsM100 on Tue May 3 09:32:51 2016, in response to Re: MVM credit card difficulties, posted by TransitChuckG on Tue May 3 09:27:48 2016. Loving it so far :) |
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Posted by TransitChuckG on Tue May 3 09:34:42 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Sun May 1 09:34:09 2016. That's what I'm finding, you insert the chip end of our card into a slot in the credit card reader, then wait until it says , card read or transaction processed or something., then you remove it and you're finished with your transaction. |
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Posted by Spider-Pig on Tue May 3 09:55:03 2016, in response to Re: MVM credit card difficulties, posted by MorningsideHeightsM100 on Tue May 3 07:49:34 2016. Yes.But in the case of smartwatches, it's we who are the irrelevant minority. |
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Re: MVM credit card difficulties |
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Posted by Michael549 on Tue May 3 11:54:55 2016, in response to Re: MVM credit card difficulties, posted by TransitChuckG on Tue May 3 09:34:42 2016. "That's what I'm finding, you insert the chip end of our card into a slot in the credit card reader, then wait until it says , card read or transaction processed or something., then you remove it and you're finished with your transaction."That also seems to be procedure from many of the Chase Bank ATM machines, whereas before one could remove their card before the transaction was complete, one now has to wait until the receipt is printed. Mike |
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Posted by TUNNELRAT on Tue May 3 13:09:13 2016, in response to Re: MVM credit card difficulties, posted by Michael549 on Tue May 3 11:54:55 2016. takes twice as long to complete a transaction. |
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