Anarchist
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3
It’s a reasonable idea.
I didn’t use my Santander card at all for its entire life and they sent me a letter letting me know that they wouldn’t send a replacement unless I asked for one.
Does delivering a physical card to your address have some secondary-effect of verifying, periodically, that you live at said address? In an era of no-physical-statements even from legacy banks then… perhaps they like / need to? Just speculation though, heh.
I definitely want a card. While I use apple pay regularly I do not wish to be dependent on my phone for purchases. Also how would you withdraw cash (especially abroad)? What happens if my phone’s battery dies? There are also countries, e.g. Cape Verde, where contactless card machines are not yet mainstream so you’ll need to use the chip and pin to pay.
However, allowing one to choose looks like a good idea, as long as you can always get one.
A consideration for me is that like many people I have multiple accounts but I only need one card. Starling is the card I keep and use occasionally - I don’t need a Monzo card, if I need cash and the Money is in Monzo I can just transfer it over.