Also RE contactless + pin, this explains a little more why it’s not enabled.
I’d personally recommend just using Google/Apple Pay on your phone. There’s no SCA limit as you authenticate with biometrics or a pin on your phone, plus there’s no contactless transaction limit. Making payments of £1000+ using just your phone is fun
I think my current Monzo card is the longest I’ve had a card without the paint rubbing off the numbers, I literally never use the thing anymore.
