London Underground query

[Londonscottish]

All very interesting and useful info, but somehow I doubt its extremely unlikely that my debit card would be cloned from using a TFL card reader?


@ Darrell, its got to be the Bridge. He likes Chelsea. Can't bring myself to go near the Emirates stadium. I was born in W London.

West London you say? Then you should be going to Loftus Road in W12. Stamford Bridge is in SW6.

 

[TrueSpirit]

The bigger risk is getting your wallet stolen. Tapping in and out of the underground is safe. If you have a banking app that informs you in real time of your transactions, it's an added level of security.

 

[AMGeed]

West London you say? Then you should be going to Loftus Road in W12. Stamford Bridge is in SW6.

St Marys Hospital Paddington W2 to be precise

 

[AMGeed]

Great day out, no stolen wallet, entertaining Stamford Bridge tour, got engulfed by the Tommy Robinson marchers coming over the bridge by Embankment underground station. Got stung for a new 2024/25 season full kit............its only money
Great doner kebab at Capital Kebabs Turkish restaurant close to Waterloo station before the train home.
Just enjoying a well earned cuppa.

 

[HappytalkAgain]

Great day out, no stolen wallet, entertaining Stamford Bridge tour, got engulfed by the Tommy Robinson marchers coming over the bridge by Embankment underground station. Got stung for a new 2024/25 season full kit............its only money
Great doner kebab at Capital Kebabs Turkish restaurant close to Waterloo station before the train home.
Just enjoying a well earned cuppa.

Good on ya Rog. Great grandparenting right there.

 

[350cls]

Emirates is a fantastic stadium for what it was cost to build. Still is one of the best stadiums in the Prem. Is SB even still standing. Been built on more than enough times. As for that lot down the Rd in N17 they can keep their multi purpose stadium. Nothing special in my opinion! N5 next week here we come

 

[Londonscottish]

St Marys Hospital Paddington W2 to be precise

That's where my son was born

 

[markjay]

That's where my son was born

...and my granddaughters

 

[Rayny]

Just a thought for next time you go to that place they call London:
Do you have a pensioners bus pass - If so, it can be used in London on TfL busses.
When going to London in the past, I've always planned the tube journey to get from the terminus to my destination.
Earlier this year I looked at the option of the bus [now that I have an East Sussex bus pass] - Charing Cross to Francis Street was a very pleasant bus ride, rather than going up/down into the tube.
You use your bus pass, your grandson uses your credit/debit card...

 

[Pontoneer]

Ideally, you shouldn't have a debit card at all, only credit cards.

If someone clones your debit card, they can empty your bank account, including any overdraft facilities that you may have on the account... and the level of fraud protection that the bank has to provide by law to debit card fraud is minimal.

With a credit card, you have a much higher level of fraud protection, and you will in (almost) all cases get your money back from the card issuer if you are somehow scammed. Plus, the scammers can't spend more than your remaining credit balance.

In addition to their legal obligations to compensate you if you are scammed, credit card issuers make money when you use your credit card, and they will always compensate you because they don't want you to lose trust and stop using the card. It will cost them more if people stopped using their credit cards because they are concerned about fraud, than it costs them to reimburse those who were scammed.

In contrast, banks are issuing debit cards as a free service, and they care eff-all if you use it or not. If you're scammed via your debit card, it could be an uphill struggle to get your money back from the bank.

Some people open a bank account and put little money in, then use a debit card - but they are not aware that scammers have ways of getting accounts overdrawn, and the account holder then ends up owing the bank money.

Well , I'm the exact opposite . I have only two debit cards - got rid of the last of my credit cards well over a decade ago .

With credit cards it is far too easy to spend money ou haven't got and run up debts on things yu really didn't need anyway . I paid the last one off , and got rid of it years ago .

Now I just buy things with what money I have , and don't owe anything to anyone .

My MasterCard Debit cards still give me the same buyer protection a credit card would ( checked that at the time of taking it out ) and my bank are pretty sick to put on hold any transaction they think might be suspicious ( I've had that a few times since I ted to sit on eBay late at night and buy things from all over the world at odd hours of the morning ) but usually a Y response to a tex message is enough to confirm it is me and it is OK .

Never been scammed or ripped off , and the amounts in my accounts are generally less than the limits were on some of my old credit cards were ; moreover I've been through the discussion with my bank that I don't want or need an overdraft , so I don't expect ever to see a negative balance on my accounts , or I will be referring them to my wishes and asking why they allowed it to happen ... not my debt .

 

[W1ghty]

You can't use the same card number (for example if the card is loaded to your phone) but you can use different cards linking to the same bank account.

On a related note, it is not generally a good idea to use your debit card, you'd be much safer using a credit card instead, if you have one.

That’s exactly how I roll buddy , the CC adds an extra layer of protection between you and the scumbag .

 

[Darrell]

Well , I'm the exact opposite . I have only two debit cards - got rid of the last of my credit cards well over a decade ago .

With credit cards it is far too easy to spend money ou haven't got and run up debts on things yu really didn't need anyway . I paid the last one off , and got rid of it years ago .

Now I just buy things with what money I have , and don't owe anything to anyone .

My MasterCard Debit cards still give me the same buyer protection a credit card would ( checked that at the time of taking it out ) and my bank are pretty sick to put on hold any transaction they think might be suspicious ( I've had that a few times since I ted to sit on eBay late at night and buy things from all over the world at odd hours of the morning ) but usually a Y response to a tex message is enough to confirm it is me and it is OK .

Never been scammed or ripped off , and the amounts in my accounts are generally less than the limits were on some of my old credit cards were ; moreover I've been through the discussion with my bank that I don't want or need an overdraft , so I don't expect ever to see a negative balance on my accounts , or I will be referring them to my wishes and asking why they allowed it to happen ... not my debt .

I haven’t got a credit card and there’s never more than £50 in my current account (debit card).

 

[HappytalkAgain]

That’s exactly how I roll buddy , the CC adds an extra layer of protection between you and the scumbag .

Agree. Shame MJ’s advice was met with such negativity. How very dare he.

 

[del320]

I haven’t got a credit card and there’s never more than £50 in my current account (debit card).

... and your wallet has got a wad that would choke a horse!

 

[Darrell]

... and your wallet has got a wad that would choke a horse!

I wish!! Nah not any more. Those days went 20 years ago.

 

[AnnasMerc83]

Ideally, you shouldn't have a debit card at all, only credit cards.

If someone clones your debit card, they can empty your bank account, including any overdraft facilities that you may have on the account... and the level of fraud protection that the bank has to provide by law to debit card fraud is minimal.

With a credit card, you have a much higher level of fraud protection, and you will in (almost) all cases get your money back from the card issuer if you are somehow scammed. Plus, the scammers can't spend more than your remaining credit balance.

I absolutely hate, hate how banks try to do everything in their powers to force people, out of fear, to get credit cards.

Start ‘em off young with student overdraft, and keep ‘em in debt for life.

After overdrawing my student account to -£3000 in my 1st year of uni, I worked all summer between 1st and 2nd year to pay it off and never again have I used an overdraft.

I will never own a credit card.

Debit cards actually have decent protections in place especially if from the big banks, only really a couple of the newish ‘online only’ banks like revolute, starling, monzo etc do you have to be more careful with.

 

[markjay]

I absolutely hate, hate how banks try to do everything in their powers to force people, out of fear, to get credit cards.

Start ‘em off young with student overdraft, and keep ‘em in debt for life.

After overdrawing my student account to -£3000 in my 1st year of uni, I worked all summer between 1st and 2nd year to pay it off and never again have I used an overdraft.

I will never own a credit card.

Debit cards actually have decent protections in place especially if from the big banks, only really a couple of the newish ‘online only’ banks like revolute, starling, monzo etc do you have to be more careful with.

Understood. However, you can get a prepaid credit card, it provides the higher protection, it's safer to use than a debit card, and you can't get onto debt.

 

[clk320x]

I absolutely hate, hate how banks try to do everything in their powers to force people, out of fear, to get credit cards.

Start ‘em off young with student overdraft, and keep ‘em in debt for life.

After overdrawing my student account to -£3000 in my 1st year of uni, I worked all summer between 1st and 2nd year to pay it off and never again have I used an overdraft.

I will never own a credit card.

Debit cards actually have decent protections in place especially if from the big banks, only really a couple of the newish ‘online only’ banks like revolute, starling, monzo etc do you have to be more careful with.

I’m guessing you never took out any mortgages either then from the evil banks?

 

[AnnasMerc83]

I’m guessing you never took out any mortgages either then from the evil banks?

This is the thing! You’re lead to believe a credit card is the only way…. It’s not!

My score is great without a credit card!

 

[HappytalkAgain]

I absolutely hate, hate how banks try to do everything in their powers to force people, out of fear, to get credit cards.

Start ‘em off young with student overdraft, and keep ‘em in debt for life.

After overdrawing my student account to -£3000 in my 1st year of uni, I worked all summer between 1st and 2nd year to pay it off and never again have I used an overdraft.

I will never own a credit card.

Debit cards actually have decent protections in place especially if from the big banks, only really a couple of the newish ‘online only’ banks like revolute, starling, monzo etc do you have to be more careful with.

Absolutely nothing wrong with CC’s if the user has self control and discipline. As said, the safety back up of CC’s is better than the majority of DC’s. Always has been.