this post was submitted on 30 Oct 2024
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This would suck so bad. My debit card's chip went bad and the bank can't reissue me a new one until it expires. I've been using cash as a fallback when I don't want to do the '3 chip failure timeout then swipe' dance just to purchase some soda.
I would be changing banks. That's super unreasonable
Exactly. In the US, I can ask for a new card pretty much whenever I want, though they may charge a fee if I do it too often. If they were being really difficult, I'd just tell them I lost it and they'd provide a new one, because they want me to use the card (they make money with each purchase).
You mean they won't. Change banks or threaten to do so, might work.
That doesn't seem right at all, no matter the country. And do you not have tap payments?
Wireless (tap) payments are vulnerable to wireless relay attacks.
Correct. The card is not tap. The only cards they can order now are tap, so to get a replacement they have to cancel the card and issue a brand new one, messing up any autopay tied to the current number and leaving me without a payment method while the new one arrives.
Really? In the US at least, most autopay systems continue working when a new card is issued, even if there are completely new numbers. I've done this several times and never had a hiccup.
That's not the case if it's a new account entirely, but if the numbers merely change, you shouldn't need to do anything, because the bank just lets the other company know the new details when an autopay comes in with the old details (I think it's automated as well).
This actually pisses me off a bit, because it means I have to actually go cancel things instead of just letting them die when the card changes.
In the future I’d recommend adding your card to your phone. It’s more secure paying with your phone vs card, and if you need a new card for whatever reason, your phone will automatically just keep working.
Report it lost instead. I've lost cards loads of times over the years. One phone call and the new one is on its way. However the fact your bank wouldn't issue your replacement makes me think they would charge you for this privilege.
And many banks can reprint one at the branch, all free of charge. It's incredibly cheap for them to do so, and they profit from each transaction, so there's little reason for them to refuse unless you do it a lot.
I've had a number of cards replaced, it's really not an issue.
They seriously won't issue one even though it's faulty? Surely it's their fault as suppliers of a defective product that is probably still owned by them in some legalise way!
My chip stopped working and after one quick phone call they sent a replacement one. Do all the banks you can access do this or worth changing over?