BTW: This happened again today.

Sure. The fact that PIN is generally not required in the US and that mass transit usage is much lower than in other countries (outside of certain exceptions) may make it a much harder sell for people, though.

That said, it would be kinda cool to be able to tap one's credit card at the security checkpoint (and again at the gate while boarding) to buy oneself a last minute airline ticket without going to the airline's website/counter but that's probably not viable for a whole bunch of reasons.

So you can just use the Visa card for the mass transit then keep the Ventra as a back up for when the Visa gets hacked/compromised...

Also if you load that Visa card to Google Pay or Apple Pay (which you can now use on the mass transit) then the moment it gets hacked, a replacement card number will get pushed down to your Google Pay or Apple Pay and you can start to use it immediately, no need to wait for a replacement card to show up.

Contactless is the way of the future for card usage. If you are that against it, you will probably want to consider a different card issuer. But that won't be a long term solution because ultimately all of the issuers will issue Contactless cards. Just yesterday I read MasterCard is discontinuing MasterPass because they are going to start having more of their issuers issue Contactless Cards. These cards are the way of the future. They are the most user friendly. Personally I am frustrated when I shop somewhere that doesn't offer Contactless. Inserting the card is a pain, hassle, fraud risk, and takes too long. Tapping the card is just much faster and easier. I think if you try tapping at more merchants you will really like the ease of use vs. the Chip.

This is kind of bad advice because unless it double charged (charged both the Ventra and the Contactless card), it is a legitimate transaction. Sure, the card issuer will probably just issue credit and not even charge back the merchant. But the problem is if you have a pattern of doing little chargebacks, what happens when you need to do a "big" chargeback for a legitimate reason? Will the bank help you or will they look at your chargeback history and see all those little chargebacks and start to wonder if something is funny.

I'm not sure I'd agree on that for the US market. I suspect it took a fair bit of incentive on Visa's part to get Chase to bother rolling them out considering how the first attempt at contactless cards failed to gain traction. Not to mention that there will definitely be holdouts for various reasons (like Apple/Goldman Sachs and their upcoming credit card, whose rewards are clearly designed to encourage Apple Pay use).

Plus, if usage ends up being lower than expected again, it's very possible that issuers may stop providing them by default or even at all. On the other hand, if every other country ends up issuing them, it may end up being less expensive for US issuers to issue them too--even if almost no one taps for domestic transactions.

Isn't MasterPass mostly an online payment mechanism like Visa Checkout? There might not be a separate app anymore but MasterPass itself is probably not going away.

On that note, I'm running into more and more merchants in the US that use Quick Chip. While it only potentially reduces the amount of time the card is in the terminal (and not the entire payment process), that's what people seem to care about. When EMV is "good enough" for most people at most stores, what will get people to tap instead?

Anyway, I think we'll be getting lots of bonus points from US issuers for contactless transactions in the future. ^

It will continue to occur if you keep both cards in the same wallet without shielding the card that you do not wish to use for contactless payments.

It is absolutely not legitimate to charge something to a form of payment that you did not authorize. You have the right to choose your form of payment.

I would probably not put myself in a situation where it happened frequently, though.

> It will continue to occur if you keep both cards in the same wallet without shielding the card that you do not wish to use for contactless payments.> I would probably not put myself in a situation where it happened frequently, though.

Without getting rid of the chase card, there isn't much I can do about it. The useage of the 2 types of cards are very different.

There is a lot you can do about it, just take the card out you want to use and don't tap the entire wallet.