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Bored after 2 times of card loss, 1 card failure and many times of being swallowed by an ATM…
As a typical office worker in the 4.0 era, I usually don’t have cash in my wallet, only a bank card. Having a card is convenient to go anywhere, just swiping a basic line or lightly touching on the POS machine (card reader) is able to pay any bill. In general, I only have a little change in my pocket to fill up with gas or buy breakfast, because in HCMC most shops and supermarkets accept cashless payments.
Having a card is so convenient, so it’s inconvenient to lose your card when you lose it. Counting “fog” I have lost my card 2 times because of theft, many times being swallowed by an ATM just because… forgot to take out the card after taking the money. Every time I lose my card, I have to go to the bank to ask to lock the old card, at the same time apply for a new card and have to wait a few days to receive a new card. It takes both time and money, but I mainly use debit and credit cards, so the fee to renew the card is almost twice as high as that of a regular ATM card. I have lost several hundred thousand dong just to “revive” the card.
Last year, my chip card continued to have problems – broken chip, unable to withdraw money or swipe payment card. Thinking about the cycle of remaking the card – putting money – waiting, I suddenly thought it would be good to give up the physical card, because now there are e-wallets and many convenient payment/withdrawal technologies without the need for a card. And I think do.
One year of card-free life experience and here are the real pros and cons that I realized
Without a card, I can still pay bills easily through e-wallets. Many supermarkets that previously did not accept payments by e-wallets have also updated the trend, such as Bach Hoa Xanh, about a few months ago, allowing payments through Momo wallet. For some stores that still do not allow payment by e-wallet, I will use wire transfer.
The initial withdrawal was a bit inconvenient, I had to go to the bank and bring CCCD to carry out the procedure. However, very soon, I switched to the method of withdrawing money by QR code on the ATM. Fortunately, the bank I choose applies this method, in addition to being able to withdraw money by fingerprint.
Until the middle of last year, many banks’ ATMs also updated the withdrawal feature with facial recognition, with a chip-mounted CCCD. That means I don’t even need to carry my phone with me, but I can still withdraw money, transfer money, look up balance… comfortably.
After a while, I suddenly realized that I had not used the physical card for nearly a year and my life was completely unaffected. It turns out that I can save a few hundred thousand money on remaking the card, and even protect the environment because the bank card is made from PVC.
And most importantly, I don’t even have to worry about card theft or card information theft when paying at the supermarket, I can freely withdraw money without worrying about “goldfish brain” to forget the card at the ATM. In the 4.0 era, I consider that not using a card is also a “stable” way to prevent online theft.
Of course, I also quite miss my lovely physical cards and my “luxurious” card swiping posture before. The bank I use also allows users to personalize the card design, putting it in the wallet to look like a very interesting decoration.
In addition, having a physical card is also quite convenient in some aspects, such as when traveling for work, travel, especially traveling abroad, it is not convenient to carry cash and it is not convenient to use an e-wallet. death. In addition, currently I can only withdraw cash without a card at the ATM of the bank I am using, but not at the ATM of another bank. The number of banks that support cardless withdrawals is also not much. However, for now, I have no intention of redoing the physical card.
And you, if it were me, would you choose to continue using physical cards or switch to non-physical cards?
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