HSBC rant

[Rod Speed]

Fraid not. Your personal data is safe on a lost or stolen phone with the best smartphones.

Wrong with Apple.

More fool you. Your money is MUCH more secure when you pay using your phone instead of using a contactless card or cash.

You don't have to worry about modified card machines that steal your details either because with applepay no checkout terminal ever gets anything that can be used more than once.

The absolute vast bulk of customers won't leave when there is no longer a call center to call if you want to increase your credit limit.

[farter]

That's not misuse, that's not doing it correctly.

[Fredxx]

In an ideal world I would agree with you.

But it's worth remembering that pre-payment meters are usually put in precisely because those users weren't/aren't able "to spread the cost over 12 months and even out those problems".

[Max Demian]

But you'd have to have the card. They might have sent it to the wrong address, or you might have been sent it before and lost it as you wouldn't need it if you pay quarterly bills. Or wouldn't know how to use it if you haven't been told.

Probably for actual non-smart pre-payment meters that the user knows he has.

[Max Demian]

You don't have to agree to rules; you can have them imposed on you. There are lots of laws I haven't "agreed to".

[SteveW]

And pre-payment simply makes that worse, with higher per unit charges and simply cutting you off if you have no money available that week.