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Apple announces Apple Card credit card

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Re: Apple announces Apple Card credit card

#681

Post by durkie »

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.

I think under the construct that computer code is a means of expression protected under the first amendment, the US government requiring Apple to implement a code change would be considered a form of compelled speech.

Re: Apple announces Apple Card credit card

#682

Post by im3w1l »

noelsusman wrote: post #601
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…

SubscribeStar was composed almost entirely of people banned from Patreon for various reasons, including things like dropping n-bombs in videos and blocking search-and-rescue boats from saving migrants in the Mediterranean. It's not surprising that big, mainstream companies don't want to touch that with a ten foot pole. Patreon has also banned various leftist sites for things like doxxing and posting instructions on h…

Do you think that thieves and violent criminals should be allowed to exchange money for goods and services or is that a punishment you reserve for the worst of the worst, those who make offensive jokes?

Re: Apple announces Apple Card credit card

#683

Post by hyperbovine »

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…

> Overall, I'm a little perplexed as to why this offering is interesting besides Apple having announced it.

But that’s just it. Scratch another thing off my list of stuff — wireless charger, e-reader, television, car — that I’m waiting for Apple to come along and Get Right.

Re: Apple announces Apple Card credit card

#684

Post by rodgerd »

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…

> 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

Australia's does now.

Re: Apple announces Apple Card credit card

#685

Post by intopieces »

No mention of whether Apple+Goldman Sachs will take over the 0% financing currently handled by BarclayCard for new Apple products. That company’s implementation is antithetical to the values expressed by Apple at this announcement: they retroactively apply interest if you miss a payment or don’t pay off the balance before the promotional period ends; the promo period varies by the amount purchased and the dates only appear on a PDF of the statement; rewards are doled out only after accruing at a certain amount (expressed as points), etc

Re: Apple announces Apple Card credit card

#686

Post by rodgerd »

Cu3PO42 wrote: post #584
dogma1138 wrote: post #573

Earlier quoted context omitted.

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.

In Germany the acceptance for credit cards only became large scale after the interchange fee was limited. Today, most stores that accept card payments also accept credit cards, but only MasterCard and Visa. Using an AMEX as your primary card would be a pretty bad experience, because you'd constantly need a backup. With that said, I'm happy most merchants don't put up with the humongous fees—in the end the prices are…

Same in NZ. People who work for more... insular... American companies here are regularly embarrassed by being unable to use their corporate card (because e.g. IBM mandate Amex) most of the places they go.

Re: Apple announces Apple Card credit card

#687

Post by ralusek »

disillusioned wrote: post #513
ben_w wrote: post #246

Earlier quoted context omitted.

I’ve been told political campaigns focused on MC/Visa forced a policy change on Fetlife (specifically which kinks you’re allowed to admit to being into) a few years back. I’m not into the kink which caused it (and I won’t repeat it here) but that left a bad taste in my mouth. IMO, people should be free to discuss what they’re into, even when it’s something much more harmful than the kink involved.

Stripe de-platformed us because their payment processor (Wells fucking Fargo, paragons of virtue) didn't like what we were selling, which was fantasy adult toys. They tried micromanaging the complaint, asking if we could remove "flesh colored" options, but we weren't going to get dragged down into that. Ridickulous.

That's beyond insane.

Re: Apple announces Apple Card credit card

#688

Post by pryce »

ralusek wrote: post #645
noelsusman wrote: post #601

Earlier quoted context omitted.

SubscribeStar was composed almost entirely of people banned from Patreon for various reasons, including things like dropping n-bombs in videos and blocking search-and-rescue boats from saving migrants in the Mediterranean. It's not surprising that big, mainstream companies don't want to touch that with a ten foot pole. Patreon has also banned various leftist sites for things like doxxing and posting instructions on h…

Sargon of Akkad told a group of white neo-nazis they were a bunch of "n-words," ironically, in the context of accusing them of having the same poor behavior they attempt to associate with black people. If you're familiar with the entire rest of his body of work, he is a vehement liberal in opposition of any such identity politics. He said this on somebody else's channel, not only off of Patreon, but off of his YouTub…

Deciding 'whether to do business with someone or not' is one of the kinds of freedoms capitalism is supposed to protect.

Outside of a standard set of specific reasons for which it is agreed to be illegal to refuse business (race, sex, orientation etc..), no business is supposed to be able to be compelled -by the government- to associate or transact with another. Instead, boycotts are used by the public themselves (rather than via government strongarming) or by company-to-company action to persuade companies to adjust their behaviour to meet expectations of what is ethically appropriate.

In arrangement, the expectation is not that companies are 'neutral' but that they are sufficiently moderated by public will. This freedom not-to-transact is what allows things such as boycotts of Apartheid South Africa, boycotts of companies that abuse their workers or run sweatshops etc.

There are plenty of ways to rearrange things outside of a Capitalist model, but once you decide to have Capitalism but 'prevent boycotting on political grounds' you're basically suggesting that Capitalism ought to be stripped of one of its extremely few mechanisms for ethical feedback. The implications of that ought to scare you.

Re: Apple announces Apple Card credit card

#689

Post by hippich »

disillusioned wrote: post #513
ben_w wrote: post #246

Earlier quoted context omitted.

I’ve been told political campaigns focused on MC/Visa forced a policy change on Fetlife (specifically which kinks you’re allowed to admit to being into) a few years back. I’m not into the kink which caused it (and I won’t repeat it here) but that left a bad taste in my mouth. IMO, people should be free to discuss what they’re into, even when it’s something much more harmful than the kink involved.

Stripe de-platformed us because their payment processor (Wells fucking Fargo, paragons of virtue) didn't like what we were selling, which was fantasy adult toys. They tried micromanaging the complaint, asking if we could remove "flesh colored" options, but we weren't going to get dragged down into that. Ridickulous.

What y'all ended up using to accept payments?

Re: Apple announces Apple Card credit card

#690

Post by c0nducktr »

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.

Well those are banks right? You're not changing banks, just getting a credit card.
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