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Apple announces Apple Card credit card

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Re: Apple announces Apple Card credit card

#591

Post by techdragon »

bakul wrote: post #562
chx wrote: post #511

Earlier quoted context omitted.

This entire field is completely messed up. One of my favorite movies this year is from India, I don't usually see Bollywood movies but Manikarnika rocked. It opened in January and now, it's been out on Amazon Prime since Saturday: https://www.justwatch.com/ca/search?q=manikarnika In Canada. In the USA? https://www.justwatch.com/us/search?q=manikarnika Not so much. This only drives piracy -- it obviously has been ripp…

? It's available on Amazon Prime in the US. In Hindi, Tamil 7 Telugu. With English subtitles. Smart TVs these days allow Amazon Prime so why would try Chromecasting from your computer?

Some people (like myself) refuse to trust the typically poor security practices of Smart TV manufacturers and never connect them to the internet.

Or better yet, try to purchase the few remaining non “smart” TVs or have started using computer monitors instead of TVs to get a TV smaller than 40” and without smart TV garbage in it.

Re: Apple announces Apple Card credit card

#592

Post by dragonsngoblins »

photonios wrote: post #571
akoncius wrote: post #568

Earlier quoted context omitted.

somehow Netflix is available in majority of europe with english-only content and it’s fine. sometimes you can get subtitles even. so I don’t think that it is main reason why europe is second-class citizen in this regard.

The language might not be the biggest problem. The insane amount of regulation we have might be. Besides regulation, there are plenty of other differences between countries within the EU. For example, we don't have a unified banking system in the EU. Each country has its own preferred method of payment. In the Netherlands they have iDeal. In Belgium Bancontact. Dankort in Denmark. The list goes on [1]. Credit cards a…

I think for things like streaming language isn't the issue but existing content exclusivity deals are.

Re: Apple announces Apple Card credit card

#593

Post by nemothekid »

lol768 wrote: post #438

This is interesting to observe from the UK. - Cashback is generally lower here because interchange fees are regulated/capped to 0.3% for personal credit cards and 0.2% for personal debit cards. Offers of 2% cashback simply won't work outside the US so I'll be curious to see how (if?) they try and expand this globally. - "All of the spending tracking and other information is stored directly on the device, not Apple’s…

>- "All of the spending tracking and other information is stored directly on the device, not Apple’s servers" - can't see how this will work in practice. If you lose your phone, do you lose information on historical purchases? What if you want them for your records? Perhaps "spending tracking" just refers to data derived from the transaction information... but then, couldn't you just recompute it?

You can back up your device to your computer (which Apple cannot access) or to iCloud (which Apple can access). If you lose your device, just restore from a backup.

Re: Apple announces Apple Card credit card

#594

Post by sieabahlpark »

photonios wrote: post #449

I got all excited and then realized that almost none of the new services that were announced will offer me anything as a European. Apple Card most likely won't be coming to Europe any time soon. The streaming service is also not likely to come to Europe as it includes US-only services such as Hulu and Amazon Prime. I am aware that this is a bit of a 1st world problem, but all of these services being US-only can be re…

Just wait until the EU article 11 and 13 pass and I expect a lot of companies to close up shop for euro users.

Re: Apple announces Apple Card credit card

#595

Post by perardi »

miguelrochefort wrote: post #563
photonios wrote: post #449

I got all excited and then realized that almost none of the new services that were announced will offer me anything as a European. Apple Card most likely won't be coming to Europe any time soon. The streaming service is also not likely to come to Europe as it includes US-only services such as Hulu and Amazon Prime. I am aware that this is a bit of a 1st world problem, but all of these services being US-only can be re…

Americans don't realize how good they have it. A few years ago, I made a list of over 100 things that are available/possible in the US but not in Canada. It almost made me feel like Canada was a third world country. I'm sure I could find it. Here are some examples I can remember: - Amazon Prime - Amazon selection and prices - Amazon Dash - Amazon groceries - Amazon third-party selling - Free shipping in most online s…

I'm a recent US -> Canada migrant, and though I agree that there are less services, it seems to have changed a lot since you made this list.

I personally have:

- Amazon Prime

- Apple Pay - Planet Fitness

- Uber and Lyft

- 24/7 grocery stores

- All the big musical acts (which, mind you, is part of being in Toronto and not, like, Winnipeg)

- Legal, weapons-grade weed delivered right to my door

The credit cards, boy, I will give you that. They'll take my Chase Sapphire Reserve from my cold dead hands. (Though Amex is getting aggressive here.)

Re: Apple announces Apple Card credit card

#596

Post by lawnchair_larry »

eridius wrote: post #472
deepGem wrote: post #279

Earlier quoted context omitted.

They said that the information is on your device, not on Apple servers. So I presume that they/GS can extract this information from the device under a valid legal claim.

Apple can't extract information from your device, even under subpoena. They'd have to push an OS update that explicitly changes what they do to start sending that info to Apple, but the US legal system doesn't allow the government to compel them to make that kind of change. That said, if the data is available in your iCloud backup in a form that can be read by other devices, Apple can presumably extract that data und…

> but the US legal system doesn't allow the government to compel them to make that kind of change.

Source? I’m pretty sure the legal system does allow that.

Re: Apple announces Apple Card credit card

#598

Post by gsnedders »

dogma1138 wrote: post #573
gsnedders wrote: post #537

Earlier quoted context omitted.

Nothing, except that then their card would have 0% acceptance. Much harder sell to get people to get the card if no merchants accepts it, and harder to get merchants to take it if nobody has one. There's a reason why the credit card market is almost entirely American Express, MasterCard, and Visa. If they wanted to pay higher cashback than the standard interchange rates allow, they'd be charging merchants more than t…

At least in London I've only seen a handful of places that don't take Amex, and as of today I can think of only one a coffee shop I sometimes use.

My experience in Glasgow, FWIW, is that the majority of independent shops/cafes/etc. don't take Amex.

Re: Apple announces Apple Card credit card

#599

Post by briandear »

photonios wrote: post #449

I got all excited and then realized that almost none of the new services that were announced will offer me anything as a European. Apple Card most likely won't be coming to Europe any time soon. The streaming service is also not likely to come to Europe as it includes US-only services such as Hulu and Amazon Prime. I am aware that this is a bit of a 1st world problem, but all of these services being US-only can be re…

TV+ will be available in 100 countries at launch.

https://www.apple.com/newsroom/2019/03/apple-unveils-apple-t...

Re: Apple announces Apple Card credit card

#600

Post by photonios »

jnurmine wrote: post #577
photonios wrote: post #571

Earlier quoted context omitted.

The language might not be the biggest problem. The insane amount of regulation we have might be. Besides regulation, there are plenty of other differences between countries within the EU. For example, we don't have a unified banking system in the EU. Each country has its own preferred method of payment. In the Netherlands they have iDeal. In Belgium Bancontact. Dankort in Denmark. The list goes on [1]. Credit cards a…

You can pay with a SEPA payment within EU from one account to another in another country, as if making a transfer within a country. Basically all you need is the IBAN. The currency will be converted to euro but you don't need to be within the eurozone, only within EU.

This is true. The banking infrastructure within the European Union is really good compared to the US.

The example I gave was regarding accepting online payments as a business from inviduals and other businesses. For US busineses, accepting credit cards is usually enough. Large bills can be paid by wire transfer. In the EU, accepting online payments is not that straightforward. Just figuring out the right VAT rate is complicated to begin with.

See: https://ec.europa.eu/taxation_customs/business/vat/eu-vat-ru...

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