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.

