On Sun, 02 Aug 2015 00:09:47 +0100, Paul Corfield
wrote:

On Sat, 01 Aug 2015 17:48:58 -0500,
wrote:

The point now, surely, is that unless you have a season ticket or a relevant
railcard there is no point in using Oyster Pay As You go any more and that
Contactless is preferable? I've been struck by how large balances really
occasional users I know have on their Oyster cards.

Well I've had a load of E Mails trying to persuade me to adopt
contactless which is rather pointless for my particular circumstances.
Still TfL hasn't connected all of its databases together that might
allow them to identify that I'm an exception to the general rules but
as an "edge case" it probably isn't cost effective for them to do so.

Clearly TfL do want people to swap because it reduces costs for them
and reinforces the case to reduce facilities at stations. Ironically
my bank recently had to replace my bank card and the new one isn't
contactless and I wasn't given a choice about that.

Is it at all possible to add a Senior Railcard to a contactless debit
/ credit card?

I'm thinking no, but......

DC

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In message , at 15:31:23 on
Tue, 4 Aug 2015, David C remarked:
Clearly TfL do want people to swap because it reduces costs for them
and reinforces the case to reduce facilities at stations. Ironically
my bank recently had to replace my bank card and the new one isn't
contactless and I wasn't given a choice about that.

Is it at all possible to add a Senior Railcard to a contactless debit
/ credit card?

I'm thinking no, but......

No, you can't add any railcards to one.

Either literally (as there's nowhere on the card to record it) or
virtually (by linking the railcard with the debit/credit card in their
back-office).

I'm thinking this is probably an anti-fraud measure, because if someone
is travelling on an Oyster with a railcard loaded, an inspector can tell
that, and ask to see the railcard; but if it's a contactless journey he
won't know to ask - and someone may have borrowed the card (especially
if it's a low-value prepay one).
--
Roland Perry

In article , (Roland Perry)
wrote:

In message , at 15:31:23
on Tue, 4 Aug 2015, David C remarked:
Clearly TfL do want people to swap because it reduces costs for them
and reinforces the case to reduce facilities at stations. Ironically
my bank recently had to replace my bank card and the new one isn't
contactless and I wasn't given a choice about that.

Is it at all possible to add a Senior Railcard to a contactless debit
/ credit card?

I'm thinking no, but......

No, you can't add any railcards to one.

Either literally (as there's nowhere on the card to record it) or
virtually (by linking the railcard with the debit/credit card in
their back-office).

I'm thinking this is probably an anti-fraud measure, because if
someone is travelling on an Oyster with a railcard loaded, an
inspector can tell that, and ask to see the railcard; but if it's a
contactless journey he won't know to ask - and someone may have
borrowed the card (especially if it's a low-value prepay one).

Recording the railcard as a flag to the customer account would be easy
enough but is not offered (not yet anyway), maybe for the reason Roland
cites.

--
Colin Rosenstiel

In message , at 21:21:01
on Tue, 4 Aug 2015, remarked:
Is it at all possible to add a Senior Railcard to a contactless debit
/ credit card?

I'm thinking no, but......

No, you can't add any railcards to one.

Either literally (as there's nowhere on the card to record it) or
virtually (by linking the railcard with the debit/credit card in
their back-office).

I'm thinking this is probably an anti-fraud measure, because if
someone is travelling on an Oyster with a railcard loaded, an
inspector can tell that, and ask to see the railcard; but if it's a
contactless journey he won't know to ask - and someone may have
borrowed the card (especially if it's a low-value prepay one).

Recording the railcard as a flag to the customer account would be easy
enough but is not offered (not yet anyway), maybe for the reason Roland
cites.

It's a variant of the "cockup versus conspiracy" theory where it's
"cockup versus plugging a fraud vector"
--
Roland Perry

wrote:

Ironically my bank recently had to replace my bank card and the new one
isn't contactless and I wasn't given a choice about that.

No explanation? My recent cards have all been contactless where they
weren't
before.

One bank that isn't so keen these days is HSBC who require a minimum monthly
pay in to an account before they'll issue one. It's a pain if your income is
low or on a different frequency or if it goes into a different account from
the regular payments account. That could be a big obstacle if others are
trying to make contactless essential.

--
My blog: http://adf.ly/4hi4c

In article ,
(Tim Roll-Pickering) wrote:

wrote:

Ironically my bank recently had to replace my bank card and the new one
isn't contactless and I wasn't given a choice about that.

No explanation? My recent cards have all been contactless where they
weren't before.

One bank that isn't so keen these days is HSBC who require a minimum
monthly pay in to an account before they'll issue one. It's a pain if
your income is low or on a different frequency or if it goes into a
different account from the regular payments account. That could be a
big obstacle if others are trying to make contactless essential.

My HSBC card was issued in 2013 so unsurprisingly isn't contactless. I won't
get a new one till June next year. So I'll have to wait till then to find
out. It's my backup credit card so gets little use.

--
Colin Rosenstiel

wrote:
In article ,
(Tim Roll-Pickering) wrote:

wrote:

Ironically my bank recently had to replace my bank card and the new one
isn't contactless and I wasn't given a choice about that.

No explanation? My recent cards have all been contactless where they
weren't before.

One bank that isn't so keen these days is HSBC who require a minimum
monthly pay in to an account before they'll issue one. It's a pain if
your income is low or on a different frequency or if it goes into a
different account from the regular payments account. That could be a
big obstacle if others are trying to make contactless essential.

My HSBC card was issued in 2013 so unsurprisingly isn't contactless. I won't
get a new one till June next year. So I'll have to wait till then to find
out. It's my backup credit card so gets little use.

I got a Barclays bPay Band last year, and have recently got the updated
one. It's a PAYG contactless card (well, not 'card' so much - the new ones
are the size of a SIM card. I've got it on a key ring). Anyone can get one
(you don't need a Barclays account), and you can add funds as-and-when you
want - or connect it to any bank account you like for auto top-ups. Very
handy as as I don't have a contactless card with my NatWest Basic account.

--
Cheers ... Mark

There is also a scandalous amount of unused money on the nation's debit cards. That money should be cleared out by the government and used to build hospitals.

"Offramp" wrote in message
...
There is also a scandalous amount of unused money on the nation's debit
cards. That money should be cleared out by the government and used to
build hospitals.

90p of it's mine

I have ever intention of spending it some day

tim

I remember reading somewhere that all of those unspent funds in Oyster accounts has to be listed in TfL's accounts as a liability. With hindsight, from the start of Oyster the Ts & Cs should have included a provision for unclaimed balances to eventually expire.