I’d like to think I’m fairly savvy with credit card technology, kinda like my points, but I had my mind blown this week by Google Pay and Chase, while traveling. Maybe I’m the last to know about this, but I think it’s really cool and makes me feel far less anxious about losing my wallet abroad, or anywhere.
Like the idiot I am, I lost my wallet while in the UK, which happened to have my Chase credit cards in there. Ironically, I did it while picking up a new ID! And sadly, it had my wife’s cards too. She’s overjoyed, trust me!
When I called to get the cards replaced (thankfully no fraud), the person was kind enough to expedite the cards and said they should be with us in around 48 hours or so, which felt manageable – and pretty impressive for a transatlantic journey. But what subsequently occurred, when I went into my Google Pay, blew my mind.
My “new” replacement cards were already there, and already ready to use, instantly! There was literally no downtime from cancelling our cards and ordering new ones, to being able to pay for virtually anything we might need while in London – meals, drinks, even hotels!
Chase x Google Pay “New Card”
Minutes after getting off the phone with Chase, I went into Google Pay to start deleting my old cards, so they wouldn’t clutter my neat and organized dashboard, when I go to add the new cards.
I’m really glad I looked at the screen quizzically for a moment before hitting the button, because I would’ve been making a really dumb mistake. The new Chase Sapphire cards were already there.
My Chase Sapphire Preferred Card, which used to end in… we’ll call it ABCD, was now showing up as something new. The Sapphire Reserve, which once ended in QRST, was ending in a new four numbers as well. I logged into my Chase online card account and noted that the card numbers displaying in Google Pay were the very same as my new card numbers for each account.
Google Pay had already received a token from Chase for my new card, which means I can use it to make purchases immediately, as part of my “new” card account number. Literally, zero minutes or hours, even while abroad and waiting for my physical cards. I understand Apple Pay offers the same capability, which is very cool.
I almost couldn’t believe it, so I went to the Chase FAQ resource for Google Pay, and in “Lost Cards” I found this, in plain sight…
What happens when my card is replaced?
Whether your card is replaced because it is lost or stolen, or if the card has expired, in most cases your new card will be automatically associated to the existing Digital Account Number (Token) in your device, and continue to be used for payments in Google Pay.Chase
Yep, not a fluke, it’s just how it works. It makes total sense, since losing a secure device such as your personal phone is entirely separate from losing a physical wallet. I’d taken trips without bringing my physical wallet before, but never pondered what a lost wallet would do to my trusty phone tap payments. It turns out, not much.
This may not be the end all, be all for some – but for me it’s exactly what I need. Every shop I’ve been in on this trip takes Google Pay, from coffee in the morning to dinner in the evening. Even retail seems to always take it.
I’d love “not” to need it, but I actually feel a weird peace of mind now, knowing that if I do lose something abroad (again), I can still pay for things.
What’s staggeringly cool, at least to me, is that no matter where I am vacationing, I can instantly be connected to my “new” replacement credit card, thanks to Google Pay. The decades of nightmare travel stories involving lost cards and wallets abroad may finally be coming to a close, at least if you use a digital wallet.