13 December 2017

You know you're an impulse shopper when...

As Oscar Wilde famously said, “I can resist everything but temptation". And at no time of the year is that more relevant than Christmas. It's the period where excess is celebrated, diets are paused and your plastic gets some serious action.

Brits spend an estimated  (This link will open in a new window)£21.7 billion on impulse purchases every year. Research suggests that around 62% of all store purchases are impulsive, while  (This link will open in a new window)online purchases are even less restrained.

Are you an impulse shopper? You know you are if...

  1. You go into a shop looking for a specific item and leave with five, plus some bits you picked up from the temptation rack while you were queuing. Somehow you've forgotten what you went into the shop for in the first place.
  2. You make a beeline for the reduced section in the supermarket, determined to get your lunch for less than £3.99. You leave the shop with your reduced sandwich and a selection of the latest treats and tidbits, plus a bottle of coke, and a frozen pizza for later. Oh, and some gum.
  3. You're forever subconsciously engaged in an episode of Supermarket Sweep — shopping lists are futile.
  4. You leave all your Christmas shopping to the last minute, target a small circumference of your home town and go on a serious mission. The phrase 'They will probably like this' is your mantra.
  5. You don't recall buying around 60-70% of the items on your bank statement.
  6. Your reaction to feeling happy, angry, sad, or indeed any emotion at all is to run wild with your plastic like a banshee.
  7. Your pile of 'Maybe I'll give this to X' potential gifts has reached alarming proportions and includes a lot of giant tubes of Maltesers. Some are half empty.

You're not alone

There's some good news, impulse shoppers. You're not alone. With so much of the UK going on a shopping frenzy this Christmas, our contactless payment options are making it as easy as possible to get what you need and go.

Using contactless payments

Contactless payments are as simple as tapping your card on the payment machine, checking to see the payment has gone through and then going about your day. All payments are capped at £30, which means you'll gain better control of your spending in the moment.

For extra security, you'll occasionally be asked to enter your PIN or sign. You can make contactless payments at over 300,000 locations this Christmas, including supermarkets, restaurants and coffee shops. If you lose your card, or your card is stolen, be sure to let us know straight away.

There are more than 108 million  (This link will open in a new window)contactless cards issued in the UK and about  (This link will open in a new window)a third of all card purchases in the UK are now made via contactless.

Music fans attending concerts and festivals can now pay for their drinks with a simple tap of their plastic. Even the Church of England is trialling electronic collection plates, allowing visitors to tap or swipe for donations.

Impulse or carefully planned

If you want to make your shopping – whether by impulse or a carefully planned list – feel a bit easier this Christmas, contactless cards are available on all of our current accounts and credit cards.

If you haven't had one issued and would like one before your cards are up for renewal, you can request to go contactless via Internet Banking, in your local branch or by phone.

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