Why do credit cards stop tapping?

Twister

Well-known member
Aug 24, 2002
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I have a card that I use all the time and after a year the tap stops working. If I put it inside the reader it works, but I don't like touch the readers keyboard especially with covid. I got a little cardboard wallet that I slide it in to protect it, but after some time it wears out. Could it be the car FOB that does something to it, I keep it my pocket too? I called the bank to replace it, the person that answered didn't know why.
 

Mr Bret

Well-known member
Aug 13, 2012
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Rather than ask all the experts here, why not call the number on the back of your card and ask them?
 
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xmontrealer

(he/him/it)
May 23, 2005
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I did say I asked them, they didn't know. Considering the mixed crowd sometimes Terbites have good information.
Just have them rush a replacement card to you. Maybe your card got too close to something that damaged it.
 
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luvyeah

🤡🌎
Oct 24, 2018
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I noticed sometimes it depends on the machine.
My card is essentially brand new and yet, it works with some merchants and sometimes not others.
 

explorerzip

Well-known member
Jul 27, 2006
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I've never heard of a car or any other RFID fob causing interference with a credit card, but I guess it's possible. You might have a damaged card, or the merchant didn't enable the tap feature. I do notice that smaller merchants like restaurants or convenience stores don't always have tap to pay. It's likely because the bank charges them extra for that "feature." Big chains can afford those extra charges, but that doesn't stop the machines from not working.

Most banks now have mobile payment aka Tap to Pay built into their phone apps. Naturally, it only works with bank credit cards though. You register your card in the app and then you can use your phone to tap on POS machines. You do need a smartphone that has NFC built-into it to be able to use tap to pay. Most phones should have NFC built-in these days, but make sure to check.

There's also Apple Pay and Google Pay that do the same thing as the bank apps, but with just about any credit that has a Tap to Pay icon that looks like a WIFI icon.
 

Day2Day

Member
Aug 29, 2020
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When this happened to me, I called the bank. They told me that the card needs to have PIN entered once in a while. If I try to tap all the time, it will then sometimes decline tap and require use of PIN. I was told that it was set up like this for security.

Anyway, that's the story I got. Once I do enter PIN after a declined tap, I'm good for while..

I have a card that I use all the time and after a year the tap stops working. If I put it inside the reader it works, but I don't like touch the readers keyboard especially with covid. I got a little cardboard wallet that I slide it in to protect it, but after some time it wears out. Could it be the car FOB that does something to it, I keep it my pocket too? I called the bank to replace it, the person that answered didn't know why.
 
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