Tech – for Everyone

Tech Tips and Tricks & Advice – written in plain English.

Credit Card 2.0

I got my new, two-point-oh credit card yesterday, and now I have to line my wallet with lead.
I ain’t funnin’. I’m dead serious. And no, I haven’t lost my mind (yet).

Another Bad Idea Dep’t: Like most bad ideas, Credit Card 2.0 is being marketed to the sheeple unwashed masses general public as a “good thing”, a convenience which will make our lives better.. and safer. When, of course, the exact opposite is true. Today I’m going to tell you about Credit Card 2.0, and tell you why you might want to line your purse with tinfoil too.

CC 2.0 is being marketed as “Tap N Go” and/or “PayPass”. Maybe you’ve heard of it. (Or seen those really annoying TV commercials where some store is clicking along like clockwork until a buyer tries to pay with cash..) Doesn’t this sound nice? “Imagine going to the mall and shopping all day, while never having to stop and fumble with your purse or wallet to make a purchase. Imagine the peace of mind you’ll have, knowing that potential thieves will not have access to seeing your credit card number or stealing your signature.” [from]
Yes.. Utopia.
I love to shop at the mall all day, and I hate fumbling with my purse or wallet.*
I love peace of mind as well.

My replacement card looks absolutely the same as my previous card (except it has that new car smell) and there is only one clue that indicates that it is indeed a “2.0” credit card.. and not some 20th Century, plain-old 1.0 credit paypass.jpgcard.. a little symbol in the upper rt. corner, of four curved lines very similar to the RSS feed symbol. (If they hadn’t shown me, I’d have never known.) Take a look at your credit cards and see if you have it. Credit Card 2.0 has been available for a while now.
If your current cc does not have this “feature”, the next one they send you will. I guaranty. It’s easier to control a cashless society.

What is “Credit Card 2.0”? It is a radio transponder. It is part of the ‘miracle’ known as “RFID” (Radio Frequency Identification). This means you don’t have to “swipe” your credit card in a card-reader to transfer your vital digital digits, you just have to move it near another (special) transponder [a wireless card-reader]. Your bank info is transmitted wirelessly (and to further push this Bad Idea, I don’t think you even have to sign.. or enter a pin. How convenient!). Thus, tap.. and go.

But it gets worse. These wireless card readers are small and portable and can be battery powered. That means I can carry one. That means: if I carry one (in my purse, say), and move it near your wallet, I’ve just wirelessly picked your pocket and stolen your bank info (and pin). Please don’t laugh. Thieves are already doing this, and it’s been on all the major ‘news’ shows. {It is fairly typical for the thieves to be females and carry the reader in a handbag. They simply stand in checkout lines, or ride up and down in elevators.. places where close physical proximity is normal.. and the reader does all the work.}
This article claims that thieves can rig a card reader “no bigger than a pack of gum, for under $50”.

Whether this new “2.0” wireless credit card is truly as vulnerable as a pure RFID device, or if it is a “smart card” and does require that I enter my PIN, I still don’t like it. (As a matter of fact, I don’t care for what Credit Card 1.0 and “easy credit” has done to our economy either. I avoided credit cards –in general– for the longest possible time. I only have one. And I use it only to buy things online.)
Consumer says this, “Technology pundits and privacy organizations alike have derided the usage of RFID tagging for important documents or identification as a violation of personal privacy, and an invitation to steal one’s information.”

I detest and fear that Credit Card 2.0 is pushing us — voluntarily, mind you — towards a cashless society. A cashless society is great.. until for some bizarre and unexpected reason (such as the computer thinks you didn’t pay a parking ticket) your happy “beep” comes back DENIED.
Then.. how do you eat? DENIED. Pay for gas? DENIED. Explain to the clerk it’s a computer error? (But it isn’t. Some Bureaucrat entered your account number, and you can clear it up by going to the proper building and filling out the proper forms. Maybe. Eventually. As long as you can prove it wasn’t you who got a parking ticket.) With a $20 bill, you will eat.
Get it?

Got a few minutes? Google “dangers of a cashless society” and take a look at some of the scholarly results.. and some of the “kook” ones too. Really. Check it out. Think about how it transfers power from something you have in your hand, to some company’s (or Gov’t agency’s) computer.
Well, enough rant..

I can’t change the course mankind seems bent on following, but I can line the insides of my wallet with tinfoil and stop wireless pick-pockets (it works). And crazy as that sounds, (and I admit, it does sound nuts) I advise you to do the same. You take other steps to make things harder for thieves, don’t you? Like, locking your car door?

* Pure-D facetiousness. To me, a shopping mall is a preview of Aitch-e-double-toothpicks.

Copyright 2007-8 © Tech Paul. All rights reserved.

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March 27, 2008 - Posted by | advice, computers, hardware, how to, privacy, security, tech | , , , , , , , , , ,


  1. Great article!

    Cashless Society+RFID=Absolute Control


    Comment by Pastor Guest | March 27, 2008 | Reply

  2. I love new technology, but there’s always a down side, isn’t there?! Great article. Thanks.


    Comment by June | March 27, 2008 | Reply

  3. The whole issue is one of trust. The average “Joe Public” is expected to accept, at face value, a technology he does not understand. The purveyor of the technology does not have to convince Joe to accept the technology, since Joe has come to trust, at every level of his life, the god of technology.

    It’s an amazing world. We don’t trust our neighbor but we trust a technology we know nothing about.


    Comment by Bill Mullins | March 27, 2008 | Reply

  4. OMG

    Are you kiddin’?


    Trackback by Computers Info's | March 27, 2008 | Reply

  5. […] Credit Card 2.0 Another Bad Idea Dep’t: Like most bad ideas, Credit Card 2.0 is being marketed to the sheeple unwashed masses general public as a “good thing”, a convenience which will make our lives better.. and safer. When, of course, the exact … […]


    Pingback by Bad Credit on The Finance World For News and Information Around The World On Finance » Blog Archive » Credit Card 2.0 | March 28, 2008 | Reply

  6. Feesch–
    In your second link it is noted that there is no protest or outcry from the public.. and how incrementalism is used to make it “damn difficult to resist”.
    That’s why I referred to the gen pub as “sheeple”, they may (or may not, what does it matter?) bleat, but it only takes one dog to herd them.

    Speaking about “across the pond”, aren’t you folks leading the way on total spy camera coverage too?
    And.. do you feel any safer?


    Comment by techpaul | March 28, 2008 | Reply

  7. Is Creditcards Your Business?
    It Is Just A tool that noboddy can be wilh Out so we ara at The Credit cards Era?
    Buy with credit card or pay with creditcards it Just The safe way to business with out to care cash on you !
    So keep Up with the Good Credit and take care of you Creditcards.


    Comment by cascio | April 15, 2008 | Reply

  8. Online shopping is now a easy way of buying anything which they want by using the people want to know more about this.
    Its a nice post about the same thing.


    Comment by juliet | October 15, 2008 | Reply

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