Yes what you've said is correct. Although many credit cards will let you go over limit anyway.

Thank you. Mine won't, terminal will just say "Transaction not authorised" or something, which frankly, I prefer.

See a £20 note on the floor and it is even easier. I go through life believing the best of people, and I think that most people are intrinsically honest. Drop a credit card and the odds are it will be handed in and returned to you. However, a £20 note ..... I'm not so sure. I think a large proportion of people would keep it - for one thing it's difficult to find the owner.
As it happens, only last night I was at the Leeds Arena watching Dancing on Ice and found a credit card that had been dropped. It got reunited with the owner I hasten to add !

did you..er... check... the NFC facility on it?

Why is the money not taken before the sale? i know normally it would not happen, but in this case, put your card in the pump, enter how much you want and then the pump will see if your card have that amount available.

i think it is about time that people paid for fuel before they got it anyway, cash or card, it will stop the ones who fill up and then do a runner.

i understand what you are saying, a couple of months back I dropped my card in the way to town, my own fault, I was going to get cash from a cash machine from the Co-op, but there was too many people waiting, so I thought i would use the machine in town. i put the card back in my coat pocket with my phone, I normally put it back in my wallet. On the way into town, I had a phone call, answered the phone and gone was my card.
when i noticed it was gone, I backtracked and could not find it, but someone handed it into my bank. Very grateful to who ever it was, not that it is much good to them.

But if that was a NFc card and it was a different person who got hold of that card, who to say they won't use it?


You are right if you lose cash then the chance of getting it back is slim, but so far in life I have not lost cash, maybe the odd penny or 50p if they roll into a drain, but nothing big. don't mean it will not happen mind you.

Got to go into town today to put some cash into the bank, keeping a tight hold on that.

Me? I have not even used it yet and the only place i have been since I had the card that accepts NFC is Aldi and i have to do a normal chip and pin transaction with it to activate the contactless part.

Because a lot of people don't want to put exact amounts in. They want to fill the tank, and you don't know how much that's going to cost (precisely) until you do it.

In the US payment is pre-authorised on the card. You pay (for example $90) for your fuel, and when you fill up, the pump will either stop at $90, or if it costs less, the difference is refunded back onto your card.

It removes both fraud and going over your limit fees.

That is how it should be done here. My mate works in our petrol station at work and he tells me how many times people have driven off without paying or about people that fills their car up and then say they don't have the money to pay for it because they forgot their wallet. It is not as if you can put the fuel back.

Myself, I would have spikes in the ground, when a car comes in the spikes go up in front and behind the cars, that will stop them.

But the big difference between a card and cash is that there is a huge psychological difference between using someone's card and pocketing the cash. Using their card is clearly illegal, pocketing cash you find is much more grey.

I was going to say exactly this last night. Much easier psychologically to keep cash. Unless you see who dropped it or it's somehow obvious, it would be pretty much impossible to trace the owner. Handing it in at a police station would be pointless. But with a card, you'd have to knowingly and willingly commit a crime.

I guess its easier to fill up the entire car if you pay after. Some European pay at pumps you prepay before, which is annoying if your in a rental and want to fill it all the way up.

In America they don't trust you like they do here. You either have to pay at the pump (before you fill up) or go in and swipe your credit card before you fill up (Which is what you have to do with a Non-US card as most US Pumps ask for a zip code for security which we don't have).

I can understand that, the only other way is to put a box by the pumps which the driver sticks their keys in and it locks until the payment for fuel have gone through.

Maybe we should be more like America in this instant then.

Used my new card for the first time today, used it first in Pound stretchers and then went to iceland, put the card near the terminal to stick it into the slot and the terminal beeps at me and flashes a contactless sign at me. Is this going to happen everytime i use this flipping card where there is a contactless terminal?


I normally use cash, but forgot to get enough out. i never even knew Iceland had contacless terminals, nor did the person on the checkout either.

That doesn't usually happen.

It did today, maybe i put it too close to the terminal. Oh well I got some money out from the Co-op machine and I will use that for the rest of the week, when i am next off work I will pop in the bank and get them to order a non-contactless card for me.

Not that I really need any money this week, got everything I need for the week unless I pop out for a pint after work, which is unlikely.

got a few days off work next week, in fact almost a week and I can't wait.

I just thought, I will need some money for Saturday, off work then and going to pop down to see what the river festival is all about if it don't rain.

Noise, relax, it's fine. It's called modern technology.

You seem to be fighting against it pretty hard, and it's making your life harder.

- you always need to scramble to a cashpoint and plan your life to the tee.
- you always have to worry about the amount of cash you have on you (or not)
- it holds people up having to use chip and pin

The box at the pumps to put your keys is unworkable. The petrol flap that is attached to the car and can't release the key until it's closed and locked. What do you expect me to do, faff around taking the car key off my bunch of keys every time I want to fill up?!

That has never happened to me though the card never comes out of the wallet.
The convenience is that you have one hand free for your purchased goods.

Card slots are at the bottom of the payment machine whilst the NFC tag is at the very top. It is in fact hard to paywave accidentally.

Not making my life harder at all, we used to manage before we had debit cards, i have only had a debit card in the last 20 years, before that I had a cashcard, all it did was allow me to get cash from the cash machine and before that I had to go into the bank with a book to get cash out.
I understand that for many people with fewer bank branches that would be difficult and maybe in this modern world would not be the best thing, but that is what we had to.


Again going by what I said above, we had to do it in the past, the time when we never had debit cards and we had no choice but to pay by cash, you just make sure you take enough out, it is not rocket science.
Granted the reason I paid by card today is because I was going to keep some of the cash I put in the bank and forgot to do so and ended up with not enough cash. I won't do that again. But it just shows how we come to be so reliant on these things.
Don't have the cash, so just use the card


No it don't, what holds people up is the other crap we get from checkouts, loyalty cards, and loads of vouchers that we end up having, well I don't as I don't have a loyalty card. I may get the odd one giving me so much off online shopping, which goes straight into the bin as it will never be used.

the only card I got is a bonus card from Iceland and that is for two reasons,
(1) I can use it as a saving card
(2) It is the only way I can use iceland home delivery service.

so chip and pin do not take that much time, cash is quicker. i also bet using a mobile phone to pay will be slower as well.

All right, you got me on that one, i don't drive, so forgot about that , I only rode a motorbike and I could take the key out of the cap. But then a quick release for the fuel tank key would work. the only other way for all new vehicles to have some sort of system that will allow a attendant to stop the car from starting.

So every single place you use your card have a contactless system and you never buy anything other £20?
I doubt that to be honest.


I understand that, i have no idea why it went weird. I won't happen again I can tell you.

i also thought that it was possible to change the amount of time these cards could be used as contactless before it ask for a pin?

that is what i read when they first started talking about them.

I was talking about using NFC. And as I already said before, it is infuriating that places like Tesco still insist on chip and pin for your non main shop.

Why is it infuriating? Sticking a pin in is not that much slower I doubt, for a start the checkout operator still got to get the checkout to reconise your are using a NFc card and if they don't realise then that takes time.
i have also just read that you do not get a card receipt with NFC either, already the Co-op don't like giving them out with cash or card, I don't want to give them another reason not to give me a receipt.

i have been told that it is possible to disable the NFC part of a card, but since the Halifax are not forcing these cards on people and will change them, i do not have to go down that route.

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