Here’s the latest on what’s on and what’s to come on Which? Conversation and around which.co.uk in October.
15 October: New limits for contactless payments
From today the limit on contactless payments will more than double, allowing you to spend as much as £100 with a tap of your card. The amount you can spend without needing to re-enter your pin also increases to £300.
How does this land with you? Is it more convenient for you to have an increased limit on your card, or does the potential for fraudsters to take more of your money if the card is lost outweigh any benefit you might see? Perhaps you’d prefer not to have a transaction limit at all and choose to use Apple Pay or Google Pay instead of contactless? We’d love to hear your thoughts in the comments.
Our Consumer Rights and Scams team would especially like to hear from you if you’re seeing more suspicious activity following the increased contactless limit – or if indeed someone does manage to steal money from your account in this way. Drop us a note in the comments, or if you’d rather not talk publicly, feel free to get in touch using the contact form.
What’s new at Which?
Some of the stories we’ve been watching at Which? over the past few weeks:
- Anonymous hackers leaked the entirety of Twitch last week which included large amounts of personal data. While the leak itself may not affect you directly, it’s a good reminder to regularly change your passwords and to set up two factor authentication using an app, as this is more secure than using SMS for your additional authentication layer.
If you need a hand, here’s Which? Computing’s guide to setting a good password, and on how to set up an authenticator app to use two-factor authentication.
- Over in Consumer Rights News, @hdownes has been looking into whether you can get a refund if your PCR test arrives later than expected. Worth a read if you’re considering travel and need the required PCR Test.
A rollercoaster week for your money
You may see a much bigger impact on your finances starting from this week:
- The energy price cap has risen to its highest-ever level, meaning if you’re out of contract with your energy supplier your energy bills will be going up. See what you can do now.
- The government’s furlough scheme has ended. Here’s what this means for you.
- Self-employed workers whose turnover has been affected by the pandemic are no longer able to claim under the SEISS grant. See what help is available if you’re self-employed.
With all of that and more it’s been a rollercoaster week for your money. The money experts on the Which? Money Podcast have been answering questions and getting to the bottom of these issues, so may be worth a listen.
When do you put the heating on?
With the nights getting longer and the weather colder, the inevitable question has emerged: is it time to put the heating on?
Previous W? Conversation research on when the heating goes on
When we last asked this question back in 2016, the majority of you reported having yours on by the middle of October.
Have you switched your heating on yet?
Yes, my heating is on now (80%, 1,993 Votes)
No, but I may do soon (12%, 302 Votes)
No, I'm holding out until after the clocks go back (8%, 204 Votes)
Total Voters: 2,499
And before that, in 2013, most respondents already had yours on by mid-September
Have you turned your heating on yet?
Yes, I've turned my #heatingon (71%, 875 Votes)
No, I'm keeping my #heatingoff (29%, 364 Votes)
Total Voters: 1,239
How do you decide when to put the heating on though – is it at a particular time of year, or when the whether gets cold? Is the choice yours, or do you use a thermostat to handle this automatically?
Coming up in October
We’re welcoming Which? Money’s Danielle Richardson to Which? Conversation on Thursday, 7 October to answer some of your questions about banking, savings, and Isas – feel free to post your questions in advance, and drop in later on to join the discussion from 3pm.
We’ll be also shifting focus more to sustainability over the month – particularly with the major COP26 climate summit coming up at the end of the month. What effect – if any – does a major international summit have on your feelings on sustainability? Does it inspire, raise ire, or generally get ignored?
We’d love to hear your thoughts in the comments, or on what it means to you to be sustainable.