81–90 of 187 posts
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The card has a magnetic stripe, so they must have some solution to the magstripe number being stolen
Why does it even have a magnetic stripe in this day and age, as a completely new tech product from Apple?
I was recently in England. Nearly every payment terminal supports contactless in the cities I visited. I found myself using Apple Pay throughout the trip because it was fast and convenient. Also in restaurants they bring a payment terminal out to your table so you can pay with Apple Pay. Unfortunately, contactless payment terminals are somewhat more rare in the USA. My local grocery store (Kroger) doesn’t have them.
It's weird that we lag so far behind in some areas, even when we help develop the technology.
Blame lobbying.
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And a much worse APR than every other card I have. I was mildly interested until the application process showed me how much extra I'd pay just to not have a late fee.
I'm dumbfounded anytime I hear people even talk about credit card interest rates. Why are people borrowing money at double digit interest rates? Unless your kids are starving, what could be the investment that makes borrowing at that cost worth it? I have no clue what my credit card interest rates are, they're all set to autopay.
I was recently in England. Nearly every payment terminal supports contactless in the cities I visited. I found myself using Apple Pay throughout the trip because it was fast and convenient. Also in restaurants they bring a payment terminal out to your table so you can pay with Apple Pay. Unfortunately, contactless payment terminals are somewhat more rare in the USA. My local grocery store (Kroger) doesn’t have them.
The adoption of contactless payments in Romania has been astonishing. When I first moved here four years ago you could only pay by card at restaurants and supermarkets and definitely not contactless. Now, four years later, you can pay contactless everywhere. Including all the little stores. Any place that supports card payments also supports contactless payments. Hell, you can hop in any bus now and buy a ticket on the spot with the contactless payment terminals in the bus. No human interaction required, you just hold up your card or phone and it prints a ticket.
Ever since Apple Pay became available, I can't remember the last time I pulled out my card.
There are only two things I still use cash for. Tipping and taxis. The latter can be worked around by using Uber or one of the local competitors.
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2% back at places that allow NFC payment is a major distinction. All the major credit cards seem to offer some kind of incentive to use Google Pay, Samsung Pay, Apple Pay, NFC, etc. But I expect these incentives to start to dry up when you can actually use it regularly. I've never been able to use NFC payment to buy a meal at a sit down restaurant or bar, grocery stores and Target are just barely getting it everywher…
FWIW, unless you're on one of their lower end phones you can also use Samsung Pay on a regular credit card reader. Most Samsung phones can emulate the mag stripe of a credit card if you hold them near the swipe area.
Source for this claim?
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I get not wanting to have to "activate" each quarter's deals (though really, it's literally a single button push once every three months...), but I don't get your point on any of the other stuff. Both AmEx and Chase have multiple cards that earn points that have no annual fees. Both of their point programs can be redeemed for straight cash back (just like the Apple Card, except Chase's offers better cash back percent…
When I came to the comments section there was no one hyping the card but already several folks critiquing it. My other comments were directed not at other comparable cards but at folks critiquing the card for not having the best benefits. I only know of two cards offhand that are straight 2% cash back on everything with no annual fee and no gimmicks, the Fidelity Visa Signature which requires a fidelity brokerage acc…
For anyone considering this card I'd suggest that they compare it to a 2% card like the DoubleCash and the Uber card. Depending on your spending habits one may be significantly better than the others.
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I get not wanting to have to "activate" each quarter's deals (though really, it's literally a single button push once every three months...), but I don't get your point on any of the other stuff. Both AmEx and Chase have multiple cards that earn points that have no annual fees. Both of their point programs can be redeemed for straight cash back (just like the Apple Card, except Chase's offers better cash back percent…
What's exciting about Apple Card is not that it will put more money in my pocket, but how it modernizes payments. I signed up yesterday morning, and made my first purchase a few hours later. Unlike my current card, the app doesn't try to push "special offers" and I think it won't share my purchase history with "affiliates." I can see my purchase on a map, and Apple can't - nice. It's a pretty cool experience and I ho…
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What's exciting about Apple Card is not that it will put more money in my pocket, but how it modernizes payments. I signed up yesterday morning, and made my first purchase a few hours later. Unlike my current card, the app doesn't try to push "special offers" and I think it won't share my purchase history with "affiliates." I can see my purchase on a map, and Apple can't - nice. It's a pretty cool experience and I ho…
Honest question - why anybody would want her purchases on the map?
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The card has a magnetic stripe, so they must have some solution to the magstripe number being stolen
Why does it even have a magnetic stripe in this day and age, as a completely new tech product from Apple?
Earlier quoted context omitted.
I get not wanting to have to "activate" each quarter's deals (though really, it's literally a single button push once every three months...), but I don't get your point on any of the other stuff. Both AmEx and Chase have multiple cards that earn points that have no annual fees. Both of their point programs can be redeemed for straight cash back (just like the Apple Card, except Chase's offers better cash back percent…
What's exciting about Apple Card is not that it will put more money in my pocket, but how it modernizes payments. I signed up yesterday morning, and made my first purchase a few hours later. Unlike my current card, the app doesn't try to push "special offers" and I think it won't share my purchase history with "affiliates." I can see my purchase on a map, and Apple can't - nice. It's a pretty cool experience and I ho…
Payment does not need modernizing. The more 'deals' and 'convenience' they introduce, the more complicated paying becomes overall. This complexity makes it for you, the consumer, more difficult to determine the actual value of the thing is you are purchasing, makes it more difficult to figure out whether you want to support the business processes that go with it.
Do the points and rewards for this transaction manipulate you in an unacceptable way into buying other things later on? Does Apple really care that much about your privacy, or will they use this information in a way that you don't like? Do you think that them having almost absolute say over what happens on your phone is a good thing or a bad thing and will this purchase endorse that or not?
You can have all kinds of answers to those questions, but do you really want to go through all of them when you buy an album on iTunes? Just keep it simple. You have this good/service and I want it. I give you money, you give me the thing. End of story.