One of my credit card providers has just informed me that they are deprecating their website and I will need to communicate with them via
their app in future. That message only appears to be visible to
signed-in customers, not on the general public-facing pages.
Unlike some other apps, their app appears to work only on smartphones.
I don't use a smartphone and even if I did, at my age and with my
eyesight, I'd still only want to carry out on-line financial
activities using something with a big screen and proper buttons to
press.
Although I don't consider myself disabled, I wonder if limiting communications in this way would be discriminatory in the legal sense?
Nick
On 13/09/2026 11:13, Nick Odell wrote:
One of my credit card providers has just informed me that they are
deprecating their website and I will need to communicate with them via
their app in future. That message only appears to be visible to
signed-in customers, not on the general public-facing pages.
Unlike some other apps, their app appears to work only on smartphones.
I don't use a smartphone and even if I did, at my age and with my
eyesight, I'd still only want to carry out on-line financial
activities using something with a big screen and proper buttons to
press.
Although I don't consider myself disabled, I wonder if limiting
communications in this way would be discriminatory in the legal sense?
Nick
One way round this would be to buy an Apple iPad as I find apps
available for the iPhone are also available for the iPad.
Similarly, it is possible that an Android powered Tablet may also use
the same apps that are available on Android Smartphones.
There *might* be security considerations as the App may be expecting to detect a SIM which not all tablets have but you can buy iPads with an onboard SIM slot.The app will work with a wifi connection just as well.
One of my credit card providers has just informed me that they are deprecating their website and I will need to communicate with them via
their app in future. That message only appears to be visible to
signed-in customers, not on the general public-facing pages.
Unlike some other apps, their app appears to work only on smartphones.
I don't use a smartphone and even if I did, at my age and with my
eyesight, I'd still only want to carry out on-line financial
activities using something with a big screen and proper buttons to
press.
Although I don't consider myself disabled, I wonder if limiting communications in this way would be discriminatory in the legal sense?
On 13/09/2026 11:13, Nick Odell wrote:
One of my credit card providers has just informed me that they are >>deprecating their website and I will need to communicate with them via >>their app in future. That message only appears to be visible to
signed-in customers, not on the general public-facing pages.
Unlike some other apps, their app appears to work only on smartphones.
I don't use a smartphone and even if I did, at my age and with my
eyesight, I'd still only want to carry out on-line financial
activities using something with a big screen and proper buttons to
press.
Although I don't consider myself disabled, I wonder if limiting >>communications in this way would be discriminatory in the legal sense?
Nick
One way round this would be to buy an Apple iPad as I find apps available >for the iPhone are also available for the iPad.
Similarly, it is possible that an Android powered Tablet may also use the >same apps that are available on Android Smartphones.
There might be security considerations as the App may be expecting to
detect a SIM which not all tablets have but you can buy iPads with an >onboard SIM slot.
On 2026-09-13, Nick Odell <nickodell49@yahoo.ca> wrote:
One of my credit card providers has just informed me that they are
deprecating their website and I will need to communicate with them via
their app in future. That message only appears to be visible to
signed-in customers, not on the general public-facing pages.
Unlike some other apps, their app appears to work only on smartphones.
I don't use a smartphone and even if I did, at my age and with my
eyesight, I'd still only want to carry out on-line financial
activities using something with a big screen and proper buttons to
press.
Although I don't consider myself disabled, I wonder if limiting
communications in this way would be discriminatory in the legal sense?
I think that would be a bit of a push unless you can show that the app
itself is inaccessible. They'll argue that "not owning a smartphone or tablet" is not a protected characteristic, and perhaps that they
provide the alternative of paper statements and contact by telephone
or post.
You could try and argue that suddenly changing the requirements is
a breach of contract, but the contract terms will almost certainly
contain something saying that they can close the account at any time
and demand immediate payment in full.
One way round this would be to buy an Apple iPad as I find apps
available for the iPhone are also available for the iPad.
Similarly, it is possible that an Android powered Tablet may also use
the same apps that are available on Android Smartphones.
SH wrote:
One way round this would be to buy an Apple iPad as I find apps available for
the iPhone are also available for the iPad.
Similarly, it is possible that an Android powered Tablet may also use the same
apps that are available on Android Smartphones.
I don't know about iphones/ipads but there are some android apps that refuse to
install on tablets instead of phones.
On 13/09/2026 21:21, Jon Ribbens wrote:
On 2026-09-13, Nick Odell <nickodell49@yahoo.ca> wrote:
One of my credit card providers has just informed me that they are
deprecating their website and I will need to communicate with them via
their app in future. That message only appears to be visible to
signed-in customers, not on the general public-facing pages.
Unlike some other apps, their app appears to work only on smartphones.
I don't use a smartphone and even if I did, at my age and with my
eyesight, I'd still only want to carry out on-line financial
activities using something with a big screen and proper buttons to
press.
Although I don't consider myself disabled, I wonder if limiting
communications in this way would be discriminatory in the legal sense?
I think that would be a bit of a push unless you can show that the app
itself is inaccessible. They'll argue that "not owning a smartphone or
tablet" is not a protected characteristic, and perhaps that they
provide the alternative of paper statements and contact by telephone or
post.
Isn't there the concept of indirect discrimination, though? I can't
prove it, but I expect that the vast majority of non-smartphone-owners
are elderly, and age is a protected characteristic.
However, the EA requires the credit card company to make reasonable adjustments for people unable to use the app, and as you said they
probably provide alternative communication channels such as telephone.
So, whilst I think there may be indirect discrimination against the
elderly, it may well not be illegal discrimination.
You could try and argue that suddenly changing the requirements is a
breach of contract, but the contract terms will almost certainly
contain something saying that they can close the account at any time
and demand immediate payment in full.
On 13/09/2026 11:13, Nick Odell wrote:
One of my credit card providers has just informed me that they are
deprecating their website and I will need to communicate with them via
their app in future. That message only appears to be visible to
signed-in customers, not on the general public-facing pages.
Unlike some other apps, their app appears to work only on smartphones.
I don't use a smartphone and even if I did, at my age and with my
eyesight, I'd still only want to carry out on-line financial
activities using something with a big screen and proper buttons to
press.
Although I don't consider myself disabled, I wonder if limiting
communications in this way would be discriminatory in the legal sense?
Nick
One way round this would be to buy an Apple iPad as I find apps
available for the iPhone are also available for the iPad.
Similarly, it is possible that an Android powered Tablet may also use
the same apps that are available on Android Smartphones.
There *might* be security considerations as the App may be expecting to >detect a SIM which not all tablets have but you can buy iPads with an >onboard SIM slot.
On 13/09/2026 21:21, Jon Ribbens wrote:
On 2026-09-13, Nick Odell <nickodell49@yahoo.ca> wrote:
One of my credit card providers has just informed me that they are
deprecating their website and I will need to communicate with them via
their app in future. That message only appears to be visible to
signed-in customers, not on the general public-facing pages.
Unlike some other apps, their app appears to work only on smartphones.
I don't use a smartphone and even if I did, at my age and with my
eyesight, I'd still only want to carry out on-line financial
activities using something with a big screen and proper buttons to
press.
Although I don't consider myself disabled, I wonder if limiting
communications in this way would be discriminatory in the legal sense?
I think that would be a bit of a push unless you can show that the app
itself is inaccessible. They'll argue that "not owning a smartphone or
tablet" is not a protected characteristic, and perhaps that they
provide the alternative of paper statements and contact by telephone
or post.
Isn't there the concept of indirect discrimination, though? I can't
prove it, but I expect that the vast majority of non-smartphone-owners
are elderly, and age is a protected characteristic.
However, the EA requires the credit card company to make reasonable >adjustments for people unable to use the app, and as you said they
probably provide alternative communication channels such as telephone.
So, whilst I think there may be indirect discrimination against the
elderly, it may well not be illegal discrimination.
You could try and argue that suddenly changing the requirements is
a breach of contract, but the contract terms will almost certainly
contain something saying that they can close the account at any time
and demand immediate payment in full.
In the old days (he says, once again demonstrating his elderlyness) everything was done by post and phone but although there always seems
to be a phone number available for contacting banking companies, I
wonder if it would be possible to prove ones identity to modern
standards with just a non-smart phone?
On 14/09/2026 08:18, Andy Burns wrote:
SH wrote:
One way round this would be to buy an Apple iPad as I find apps
available for the iPhone are also available for the iPad.
Similarly, it is possible that an Android powered Tablet may also use
the same apps that are available on Android Smartphones.
I don't know about iphones/ipads but there are some android apps that
refuse to install on tablets instead of phones.
I have a credit card which switched to app only a good while ago. The
app was already on my smart phone, but I installed it on my android
tablet so as to see the statements better.
The one thing I did find was I was only allowed to have the app on one device. I chose the tablet.
It does offer an option to "share" the statemnt by email so I usually do that, email myself so I can see it on my pc but that is more for
convenience when sorting banking out than because I can't see it well
enough on the tablet.
On 14/09/2026 08:18, Andy Burns wrote:
SH wrote:I have a credit card which switched to app only a good while ago. The
One way round this would be to buy an Apple iPad as I find apps
available for the iPhone are also available for the iPad.
Similarly, it is possible that an Android powered Tablet may also use
the same apps that are available on Android Smartphones.
I do n't know about iphones/ipads but there are some android apps that
refuse to install on tablets instead of phones.
app was already on my smart phone, but I installed it on my android
tablet so as to see the statements better.
The one thing I did find was I was only allowed to have the app on one device. I chose the tablet.
It does offer an option to "share" the statemnt by email so I usually do that, email myself so I can see it on my pc but that is more for
convenience when sorting banking out than because I can't see it well
enough on the tablet.
On Sun, 13 Sep 2026 19:56:37 +0100, SH <i.love@spam.com> wrote:
On 13/09/2026 11:13, Nick Odell wrote:
One of my credit card providers has just informed me that they are
deprecating their website and I will need to communicate with them via
their app in future. That message only appears to be visible to
signed-in customers, not on the general public-facing pages.
Unlike some other apps, their app appears to work only on smartphones.
I don't use a smartphone and even if I did, at my age and with my
eyesight, I'd still only want to carry out on-line financial
activities using something with a big screen and proper buttons to
press.
Although I don't consider myself disabled, I wonder if limiting
communications in this way would be discriminatory in the legal sense?
Nick
One way round this would be to buy an Apple iPad as I find apps
available for the iPhone are also available for the iPad.
Similarly, it is possible that an Android powered Tablet may also use
the same apps that are available on Android Smartphones.
There *might* be security considerations as the App may be expecting to
detect a SIM which not all tablets have but you can buy iPads with an
onboard SIM slot.
I'm very reluctant to go out and buy a new tablet (when I don't like
tablets anyway) just for one piffling little credit card account.
Besides, it's just six months ago that I bought a new, up-to-date
laptop with maybe seven to ten years of updates on it precisely so I
could confidently deal with on-line money and stuff.
I'd rather jettison the credit card first.
Nick
In the old days (he says, once again demonstrating his elderlyness) everything was done by post and phone
On Sun, 13 Sep 2026 19:56:37 +0100, SH <i.love@spam.com> wrote:
On 13/09/2026 11:13, Nick Odell wrote:
One of my credit card providers has just informed me that they areOne way round this would be to buy an Apple iPad as I find apps
deprecating their website and I will need to communicate with them via
their app in future. That message only appears to be visible to
signed-in customers, not on the general public-facing pages.
Unlike some other apps, their app appears to work only on smartphones.
I don't use a smartphone and even if I did, at my age and with my
eyesight, I'd still only want to carry out on-line financial
activities using something with a big screen and proper buttons to
press.
Although I don't consider myself disabled, I wonder if limiting
communications in this way would be discriminatory in the legal sense?
Nick
available for the iPhone are also available for the iPad.
Similarly, it is possible that an Android powered Tablet may also use
the same apps that are available on Android Smartphones.
There *might* be security considerations as the App may be expecting to >>detect a SIM which not all tablets have but you can buy iPads with an >>onboard SIM slot.
I'm very reluctant to go out and buy a new tablet (when I don't like
tablets anyway) just for one piffling little credit card account.
Besides, it's just six months ago that I bought a new, up-to-date laptop
with maybe seven to ten years of updates on it precisely so I could confidently deal with on-line money and stuff.
I'd rather jettison the credit card first.
On Mon, 14 Sep 2026 14:55:07 +0100, Nick Odell wrote:
In the old days (he says, once again demonstrating his elderlyness)
everything was done by post and phone
I destest using a 19th century (phone) invention over a 20th century invention (email).
On Mon, 14 Sep 2026 14:45:38 +0100, Nick Odell wrote:
On Sun, 13 Sep 2026 19:56:37 +0100, SH <i.love@spam.com> wrote:
On 13/09/2026 11:13, Nick Odell wrote:
One of my credit card providers has just informed me that they areOne way round this would be to buy an Apple iPad as I find apps
deprecating their website and I will need to communicate with them via >>>> their app in future. That message only appears to be visible to
signed-in customers, not on the general public-facing pages.
Unlike some other apps, their app appears to work only on smartphones. >>>>
I don't use a smartphone and even if I did, at my age and with my
eyesight, I'd still only want to carry out on-line financial
activities using something with a big screen and proper buttons to
press.
Although I don't consider myself disabled, I wonder if limiting
communications in this way would be discriminatory in the legal sense? >>>>
Nick
available for the iPhone are also available for the iPad.
Similarly, it is possible that an Android powered Tablet may also use
the same apps that are available on Android Smartphones.
There *might* be security considerations as the App may be expecting to >>>detect a SIM which not all tablets have but you can buy iPads with an >>>onboard SIM slot.
I'm very reluctant to go out and buy a new tablet (when I don't like
tablets anyway) just for one piffling little credit card account.
Besides, it's just six months ago that I bought a new, up-to-date laptop
with maybe seven to ten years of updates on it precisely so I could
confidently deal with on-line money and stuff.
I'd rather jettison the credit card first.
If it's Revolut, it's probably for the best ...
On 14/09/2026 11:34, kat wrote:
On 14/09/2026 08:18, Andy Burns wrote:
SH wrote:
One way round this would be to buy an Apple iPad as I find apps
available for the iPhone are also available for the iPad.
Similarly, it is possible that an Android powered Tablet may also use >>>> the same apps that are available on Android Smartphones.
I don't know about iphones/ipads but there are some android apps that
refuse to install on tablets instead of phones.
I have a credit card which switched to app only a good while ago. The
app was already on my smart phone, but I installed it on my android
tablet so as to see the statements better.
The one thing I did find was I was only allowed to have the app on one
device. I chose the tablet.
It does offer an option to "share" the statemnt by email so I usually do
that, email myself so I can see it on my pc but that is more for
convenience when sorting banking out than because I can't see it well
enough on the tablet.
Why do you need any internet access for your card? Just wait for the >statement to be posted to you.
On 14/09/2026 14:45, Nick Odell wrote:
On Sun, 13 Sep 2026 19:56:37 +0100, SH <i.love@spam.com> wrote:
On 13/09/2026 11:13, Nick Odell wrote:
One of my credit card providers has just informed me that they are
deprecating their website and I will need to communicate with them via >>>> their app in future. That message only appears to be visible to
signed-in customers, not on the general public-facing pages.
Unlike some other apps, their app appears to work only on smartphones. >>>>
I don't use a smartphone and even if I did, at my age and with my
eyesight, I'd still only want to carry out on-line financial
activities using something with a big screen and proper buttons to
press.
Although I don't consider myself disabled, I wonder if limiting
communications in this way would be discriminatory in the legal sense? >>>>
Nick
One way round this would be to buy an Apple iPad as I find apps
available for the iPhone are also available for the iPad.
Similarly, it is possible that an Android powered Tablet may also use
the same apps that are available on Android Smartphones.
There *might* be security considerations as the App may be expecting to
detect a SIM which not all tablets have but you can buy iPads with an
onboard SIM slot.
I'm very reluctant to go out and buy a new tablet (when I don't like
tablets anyway) just for one piffling little credit card account.
Besides, it's just six months ago that I bought a new, up-to-date
laptop with maybe seven to ten years of updates on it precisely so I
could confidently deal with on-line money and stuff.
I'd rather jettison the credit card first.
Well, yes, that's the obvious course to take. I'm surprised that you >bothered to ask whether you're being (illegally) discriminated against.
On 2026-09-14, Jethro <jethro_UK@hotmailbin.com> wrote:
On Mon, 14 Sep 2026 14:55:07 +0100, Nick Odell wrote:
In the old days (he says, once again demonstrating his elderlyness)
everything was done by post and phone
I destest using a 19th century (phone) invention over a 20th century
invention (email).
Hey, if you find yourself a modem you might still maybe be able to use
a 20th century invention (email) over a 19th century invention (phone).
On Mon, 14 Sep 2026 11:34:54 +0100, kat wrote:
On 14/09/2026 08:18, Andy Burns wrote:
SH wrote:I have a credit card which switched to app only a good while ago. The
One way round this would be to buy an Apple iPad as I find apps
available for the iPhone are also available for the iPad.
Similarly, it is possible that an Android powered Tablet may also use
the same apps that are available on Android Smartphones.
I do n't know about iphones/ipads but there are some android apps that
refuse to install on tablets instead of phones.
app was already on my smart phone, but I installed it on my android
tablet so as to see the statements better.
The one thing I did find was I was only allowed to have the app on one
device. I chose the tablet.
It does offer an option to "share" the statemnt by email so I usually do
that, email myself so I can see it on my pc but that is more for
convenience when sorting banking out than because I can't see it well
enough on the tablet.
Wherever possible I would advise having everything you can saved and
under *your* control. Relying on other peoples systems to keep them safe
and available is asking for trouble.
I am aware this reverses the idea of offloading stuff to "the cloud" by basically creating a local backup of "the cloud" for your purposes. But
at least you have some protection from the vagaries of other peoples incompetence.
On the back of this I notice that Barclaycard are stopping their website
and moving everything to their (accessibility challenging) "app".
Probably easier not to use it anymore than waste time with ombudsmen and
the like.
If only we had some laws to help the less able ?
On Mon, 14 Sep 2026 19:48:51 -0000 (UTC), Jon Ribbens
<jon+usenet@unequivocal.eu> wrote:
On 2026-09-14, Jethro <jethro_UK@hotmailbin.com> wrote:
On Mon, 14 Sep 2026 14:55:07 +0100, Nick Odell wrote:
In the old days (he says, once again demonstrating his elderlyness)
everything was done by post and phone
I destest using a 19th century (phone) invention over a 20th century
invention (email).
Hey, if you find yourself a modem you might still maybe be able to use
a 20th century invention (email) over a 19th century invention (phone).
If anybody wants a modem, I've got a couple in my box of redundant electronics. You know, that collection of useless things I keep just
in case they come back into fashion. I'm pretty sure I've also got an acoustic coupler in there in case anybody wants to go really retro.
But I no longer have a telephone handset that fits it.
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