Choosing a Credit Card without Contactless in the UK

In the UK, many credit cards come with a convenient contactless payment feature. However, if you are seeking a credit card that does not have this feature, several banks offer options to disable the contactless functionality or even issue a traditional card without it. This article will guide you through the process of finding a suitable credit card that meets your needs.

Understanding the Contactless Feature

Contactless payment is a feature that allows you to make fast and effortless transactions by tapping your card on a terminal. While it is convenient and widely accepted, not everyone may prefer its use for various reasons, including security concerns or a preference for entering a PIN for transactions.

Available Options

If you want to avoid the contactless feature, you have a few choices: Disabling the Contactless Function: Many banks allow you to disable the contactless feature through your online account or customer service. This option is usually free of charge. Requesting a Traditional Card: Some banks can issue a card without the contactless feature if you clearly request it. This might require a bit more paperwork or customization.

Examples of Banks Offering Traditional Credit Cards

Some banks, like Lloyds Bank and Nationwide, can provide you with a credit card that does not have the contactless feature. Here’s how you can proceed with these banks:

Lloyds Bank

Lloyds Bank allows customers to request a traditional credit card without the contactless feature. You can contact Lloyds Bank directly to request this, and they will guide you through the process to have a card tailored to your needs.

Steps:

Call Lloyds Bank customer service and explain your preference for a card without contactless. They may require some additional documents to process your request. Once the card is prepared, it will be sent to you.

Nationwide

Nationwide is another bank that offers the option to have a traditional credit card without the contactless feature. You can also contact Nationwide’s customer service to explain your preferences and process your request for a customized credit card.

Steps:

Contact Nationwide’s customer service and request a traditional card without the contactless feature. They may ask for some identification and personal details to confirm your identity. After the card is issued, it will be mailed to you.

Considerations and Tips

It's important to note that while many banks offer the option to disable the contactless function or issue a card without it, some may not do so without additional security measures. Some banks may also require a higher credit score or additional verification steps to issue a traditional card.

Frequently Asked Questions

Q1: Is it free to disable the contactless feature on a credit card?

Generally, disabling the contactless feature is free. However, it's always a good idea to check with your bank to confirm the specific fees or requirements.

Q2: Can I use a credit card without contactless for international transactions?

In most cases, you can use a credit card without contactless for international transactions. The card will still be utilized as a standard credit card with the usual security measures in place.

Q3: Is there any impact on the card's functionality if I disable the contactless feature?

No, disabling the contactless feature should not affect the card's primary functionalities, such as making purchases online or at traditional card terminals.

Conclusion

While the majority of credit cards in the UK come with a contactless feature, there are options available if you prefer a traditional card without this feature. By contacting your bank or choosing banks like Lloyds Bank and Nationwide, you can find a solution that meets your specific needs. Whether you prefer to disable the contactless feature or have a card issued without it, make sure to review the details and requirements to ensure a smooth process.

Keywords:

credit card UK contactless