I have not (nor have no need) gaslit anyone. Most of my responses have been to answer questions, or to advice/constructive criticism. The majority of the people who have responded to this post have been civil, and have either provided their experience, provided advice and/or constructive criticism, without invalidating what I am going through. Of the people who responded, you are the only person who has had difficulty discussing your experience without minimizing and negating people who’ve had different experiences.
I know this is Reddit, but life is going to be filled with people who experience things differently from you. With sincerity, please handle whatever your personal problem is with people who happen to have different experiences and opinions from you

Thanks for the advice. After reviewing the comments, I will look into getting a credit card. Having quite a bit of student loan debt made me hesitant with ever getting a credit card, but this experience has definitely changed my mind!

I see your point. The only time I use ApplePay tends to be for MTA, which was why I thought I was being helpful by telling people to be careful. For most purchases, I either use Paypal or the merchant’s app to pay bills or make purchases.

Lol. Unless you took my money, I don’t understand why you’re invested in gaslighting my experience. Either way, had this not happened, I would have probably continued to use ApplePay to pay for my rides.

No; when I would use ApplePay, I would just tap and go. This was my first time experiencing an issue like this.

Debit. Oh, It has been. I was wondering why my card had declined when I was trying to pay a bill, and then decided to review my transactions.

Not sure; I’m only going by what my financial institution conjectured when they told me it was an Apple Pay charge on a time and date that I didn’t use it 🙄🙄 How about you do what is working for you, and I will do what I can to never find myself in this predicament again.

What does does FUD mean? It would be easier for me to wait, if I was returned my money, so I can go on with my life. Not all of us have it like that, financially

No, it was Chase

It was Apple Pay. Maybe Apple card would have helped, who knows?

Because when I called my bank, they said that it was an Apple Pay transaction at a specific time. Even though I hadn’t used ApplePay that day

It also doesn’t help that finding a vending machine to refill that accepts cash seems to be more difficult than finding a needle in a haystack

Your guess is as good as mine.