Originally Posted by
jackmiles
Fair points, but whether it is a payment card, credit card or phone, you are taking something out of your pocket and at least with phone you don't run any risk of other cards, money etc, falling out while you fish the required card from your wallet. My understanding of the app is that you don't need to open the app or anything for it to work so there should be no 'fiddling' with the phone, just presenting it to the reader as you would the card. I guess if you had the physical Octo card in a separate pocket by itself, this would address my wallet concern. But now we really are digging into the minutiae of this whole situation....which is great! 😅
Yes, I agree. I guess I just prefer the relative lack of risk of losing a 500 HKD at most Octopus card (I recognize many people put a lot more on, but you can choose your comfort level) vs. the hassle of canceling or replacing a credit card if something goes awry with that, or fumbling with a phone with lots of impatient people behind you...ymmv kind of thing.