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Apple announces Apple Card credit card

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Re: Apple announces Apple Card credit card

#661

Post by eridius »

lawnchair_larry wrote: post #596
eridius wrote: post #472

Earlier quoted context omitted.

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.

The legal system lets them say "you already have the information? Great, give it to me". It doesn't let them say "you have to redesign your systems to collect information that you explicitly told your users you aren't collecting".

I don't have a direct citation for you, besides having seen this spoken about before, but a simple thought exercise should prove it: If the government could compel that sort of thing, then we wouldn't have end-to-end encrypted chat (including iMessage) and the government would have already compelled Apple to give the government a backdoor into iPhones.

Re: Apple announces Apple Card credit card

#662

Post by vlozko »

arrrg wrote: post #123
chrisseaton wrote: post #85

Earlier quoted context omitted.

I’ve found in the past Germans aren’t always keen on credit cards - they often push back when you try to use them in shops and restaurants and things like ticket machines at railways only seem to take regional debit cards. Trying to use an American Express gets a very bad reaction. Is that changing?

It’s probably changing, I think, but American Express is also one of the worst credit cards you could try to use in Germany. Mastercard and Visa are much more widely accepted.

If you can even find a merchant that accepts credit cards! While in Berlin, the only place I came across that accepted credit cards was my hotel and a Starbucks. Every lunch and dinner place I went to were cash-only.

Re: Apple announces Apple Card credit card

#664

Post by JetSpiegel »

tyre wrote: post #320
acjohnson55 wrote: post #306

Earlier quoted context omitted.

Oh great, now I feel much better.

Goldman is a client of Apple's. It's possible that they do some shady shit, but it's also possible that they don't want to fuck up their relationship with the world's most valuable company or jeopardize their entry into the consumer space. Their profit motive might save them. Or it could be a disaster, who knows. My guess is that Goldman would trade on the aggregate data

> Goldman is a client of Apple's. It's possible that they do some shady shit, but it's also possible that they don't want to fuck up their relationship with the world's most valuable company

It's hard to argue that Apple can keeps Goldman Sachs on a leash. GS can't get a worse reputation that it already has, shaming them is worthless.

Re: Apple announces Apple Card credit card

#665

Post by tokyodude »

kyrra wrote: post #228
ralusek wrote: post #189

Earlier quoted context omitted.

Look no further than the recent issue where Patreon competitor Subscribestar had payment processors Stripe and PayPal stop processing their payments for _political_ disagreements with the purported beneficiaries of the donations through the platform. PayPal said that it was actually one of the underlying payment processors, and it was suspected to be MasterCard. That incident was the first time I've ever taken the ne…

The CC networks are known cave to political pressure to shut down certain merchants. Apple is likely no better or worse here. example: https://www.eff.org/deeplinks/2015/07/caving-government-pres...

Why would we assume Apple would be no worse. Apple has a track record of disallowing all kinds of media that credit card companies have much less issue with. You're generally free to buy all kinds of things with your credit card that Apple disallows in their various terms of service.

Re: Apple announces Apple Card credit card

#666

Post by chrisseaton »

vlozko wrote: post #662
arrrg wrote: post #123

Earlier quoted context omitted.

It’s probably changing, I think, but American Express is also one of the worst credit cards you could try to use in Germany. Mastercard and Visa are much more widely accepted.

If you can even find a merchant that accepts credit cards! While in Berlin, the only place I came across that accepted credit cards was my hotel and a Starbucks. Every lunch and dinner place I went to were cash-only.

Wait so I don't understand. You're saying almost nobody accepts credit cards, and someone else is saying almost everywhere accepts them. My experience is definitely that they don't accept them, outside of international places like airports and hotels.

In the UK everywhere has a payment terminal and that terminal accepts absolutely anything - credit, debit, Apple, AmEx, prepaid, cash-card, whatever. I don't know why Germany picks and chooses.

Re: Apple announces Apple Card credit card

#667

Post by KuhlMensch »

baby wrote: post #659
amluto wrote: post #376

This sounds like a mediocre credit card (2% back but only with Apple Pay — if you’re okay with cash back on only some transactions, there are much better cards) with some benefit in the form of a nice experience. I guess that, if Apple’s marketing power can sell a ton of these, there’s considerable upside for them, but it doesn’t sound like a truly impressive innovation.

This. I don’t see why you would move from Monzo or Revolut for this.

Also waiting for this to be explained to me.

Apart from the flex of having an apple credit card of course :)

Re: Apple announces Apple Card credit card

#668

Post by 013a »

rickycook wrote: post #570
013a wrote: post #555

Earlier quoted context omitted.

Apple TV+ was announced for "100+ Countries at Launch".

but the content won’t likely be the same across regions. netflix for example has a very different library depending on where you are in the world. eg CANADA had about 50% of the US library in 2016 (many other regions sitting with UK/AU around 30-40%) ... but it still costs the same, and that’s not even the part that’s frustrating

I doubt that very much. They've pretty strongly implied that Apple TV+ is just Apple original content, not like Netflix or Amazon where its a mix of Originals and licensed content. If they own the content, they can distribute it wherever they want.

Re: Apple announces Apple Card credit card

#669

Post by tracker1 »

Gibbon1 wrote: post #557
arcticbull wrote: post #478

Earlier quoted context omitted.

Postal banking is awesome for a lot of reasons. For one, post offices are pretty evenly distributed throughout cities including in low-income neighborhoods where banks tend not to be. There's a lot of precedent including the UK ( https://www.postoffice.co.uk/everydaybanking ). I hadn't considered first-amendment though, very interesting.

If you mention postal banking to people from the US they utterly lose their shit on you tho. Imagine if the post office was getting transaction fees instead of banks.

As long as they aren't stopping other banking, I'd be happy to see the post office extended to offer banking services. Just like I can use FedEx for mail.

Re: Apple announces Apple Card credit card

#670

Post by int_19h »

manigandham wrote: post #418
lawn wrote: post #277

Earlier quoted context omitted.

And people still wonder what problem cryptocurrencies tries to solve.

No, people are wondering why cryptocurrencies haven't actually solved anything yet.

I always assumed that cryptocurrencies is exactly how SubscribeStar has solved it for their audience (if you mean "people" in general, them most of them aren't wondering about anything because they don't consider it a problem to begin with, at least until something they care about gets consistently censored).

So I went and looked up their payment options. And sure enough, they have a page on that. Which has the following notice:

"In order to stay compliant with our strategic credit card processing partners' policies and due to recently tightened regulations on the cryptocurrency circulation for the US-based companies, we are going to halt all support for cryptocurrency payments on this site for the time being."

What is this all about? Are they saying that payment processors will refuse to work with organizations that accept cryptocurrency? But then how e.g. Coinbase works with credit cards?

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