Can you still use Apple Pay if you block your credit card?

Okay, so you’re wondering if you can still use Apple Pay if you block your credit card, right? I get it! It’s a confusing question, I’ve wondered about it myself, to be honest.

Well, generally, yeah, you can still use Apple Pay even if you’ve blocked your physical credit card. Think of it this way: blocking your card is kinda like putting a “do not disturb” sign on the physical piece of plastic. It’s telling the bank, “Hey, if someone tries to swipe this card, don’t let it go through.”

But Apple Pay? That’s different. It’s not directly using your card number, it’s using a token, a digital representation of your card. A temporary block usually only affects the physical card’s transactions. So, that means your Apple Pay – along with other digital wallets and even those automatic scheduled payments you’ve set up – should keep humming along without any hiccups.

I remember once, I lost my wallet and panicked! I immediately blocked my credit card, fearing the worst. But then I realized I needed to pay for parking. Doh! Thankfully, I had my phone, and Apple Pay worked just fine. I was so relieved! It’s situations like that where you really appreciate the convenience.

Now, I will say this, and it’s important: this is usually the case. But! It always depends on your bank and the specific reason you blocked your card. If you reported your card as completely stolen and requested a new card number, that would affect Apple Pay, since the digital token is linked to the original card number. So, when in doubt, it’s always best to double-check with your bank! They’ll have the specifics for your situation. Makes sense?