this post was submitted on 17 Feb 2026
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Privacy
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I've gladly given up Google pay, can you really rely on your phone and completely go without a card anyways? I always carried my cards as a backup just in case so it's hardly a convenience IMO
~~There's also the risk that credit card companies are claiming that fraud done using your phone app (for example, someone stole your unlocked phone(*)) is not covered, and you are on the hook for losses.~~
But stolen physical credit cards are always covered.
(*)EDIT: I thought I'd read a report that someone who had been mugged and forced to give their phone+PIN had an issue with their CC company; but it looks like this is mostly a problem with money transferred out of a bank account, not credit card purchases... and even then, hiring a lawyer will usually get the bank to pay-up.
Credit card companies can claim whatever they want, that’s not how their agreement works. They need to cover. But also the risk of someone stealing my unlocked phone is so exponentially lower than the risk of someone stealing my cards that I’m not even remotely concerned.
Interesting, but I don't think there's anything in that article that actually mentions credit card companies did not cover the loss? Did I miss that somehow?
sorry, I think I was confusing bank transfers with credit card transactions.
I don’t remember the last time I brought my cards with me. Needs to be on my phone.
I suppose it's just a matter of perspective. "Needs to" is a bit strong imo. Do you carry a license? Those are generally not available digitally. Also what about a worst case scenario where your phone is dead, broken, stolen, or payments are not working?
“Needs to” may be a bit strong for you, but for me it’s legit. I will NOT switch to an OS without Google Pay, Apple Pay, or Samsung Pay.
If my phone is dead, broken, or stolen, I use my watch.
You can still use Google pay on a smartwatch even if it's paired with a grapheneOS phone if that interests you. I use an oura ring for biometrics so I don't have a smart watch, but that's one factor that tempted me to ditch the ring for a watch.
I also just don't think it's legit practically speaking. Plenty of shops, gas stations, etc do not support apple pay or Google pay, so what then?
That’s great, I still need primary on the phone with backup on the watch.
I have not encountered a place that doesn’t accept Apple Pay since I stopped going to Walmart years ago.