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Apple announces Apple Card credit card

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Re: Apple announces Apple Card credit card

#141

Post by vtange »

onlyrealcuzzo wrote: post #118
AznHisoka wrote: post #104

Just allow me to create as many 'virtual' credit cards from a single card and that's enough. Every single provider that promised that feature has either underwhelmed, or gone out of business.

Yes. I'm so sick of businesses relying on people not cancelling to exist, and thereby making their calcellation process as time consuming and obtuse as possible to reduce consumers chances of cancelling. Consumers should be able to just NOT pay for a service, and then it's on the service-provider to turn off the customer's access. I can't tell you the amount of services I've past up on simply because I don't want to…

Does their data remain though? If it does then your data would still be in danger of hackers if said business got attacked, etc. Aren't businesses supposed to treat customer data as liabilities now?

Some consumers would want complete removal of their data after deciding not to continue paying for service.

Re: Apple announces Apple Card credit card

#142

Post by atombender »

bit_logic wrote: post #93

Does Apple Pay and Google Pay work anywhere I see the tap symbol (looks like a rotated wifi symbol)? Or they must also display the Apple or Google Pay symbol? I've seen places that just have the tap symbol and wondered if I could've used my phone.

Generally, yes, at least in the US. There are exceptions; some chains have decided not to support Apple Pay, for example. But the contactless symbol generally means any kind of contactless payment system is accepted, including Apple Pay.

Re: Apple announces Apple Card credit card

#143

Post by pgrote »

AznHisoka wrote: post #104

Just allow me to create as many 'virtual' credit cards from a single card and that's enough. Every single provider that promised that feature has either underwhelmed, or gone out of business.

Capital One provides this through a nifty chrome extension. Works great.

Re: Apple announces Apple Card credit card

#144

Post by tkxxx7 »

dwighttk wrote: post #73
siculars wrote: post #34

Earlier quoted context omitted.

I use Apple pay wherever possible. It is far quicker and more convenient than either cash, chip card or swipe in that order. Besides convenience, security and privacy are the backstop for my usage. I just trust Apple more to not be sleezy with my transaction history.

I'm not as much of a fan of it with faceID as I was with touchID. Double tapping the lock button is awkward.

Opposite for me. FaceID makes the activation so much quicker.

Re: Apple announces Apple Card credit card

#145

Post by ryandrake »

runako wrote: post #91
bk_mtn_man wrote: post #63

Earlier quoted context omitted.

I don't live in a tech hub city but in all my shopping I have never seen anyone use one of the Apple/Samsung payment methods where I live. Even when I spent months in Silicon Valley I can count the number of times I saw it used on one hand.

Here in the Southeast of the US, the adoption of Apple Pay (and I presume Samsung Pay) has definitely been increasing. Square/Clover/all the POS's used by coffeeshops and other small businesses have been taking Apple Pay for a few years now. But recently CVS started taking it, and CVS is everywhere (~6,200 stores in the US). Whole Foods is on Apple Pay. I understand Target will be following soon. It's still not 100%…

You don’t just need technology penetration. You also neeed consistently working devices that inspire confidence to customers that they’ll work.

How often have you done this dance:

1. Notice the POS reader has an icon on it that vaguely indicates it supports some kind of NFC payment.

2. Pull out your phone and wave it around the reader.

3. No response from reader. Do I need to press something on my phone?

4. Still no response. The cashier and other customers in line are looking at you like you are wasting everyone’s time with your high tech crap.

5. Sheepishly put your phone in your pocket, pull out an actual card, and mutter something about “I guess it’s not working today...” to the cashier.

Have this awkward experience enough times and you’ll just abandon NFC payments entirely. Stores should not be allowed to indicate that their systems support NFC if their reader doesn’t work.

Re: Apple announces Apple Card credit card

#146

Post by dmayle »

theshrike79 wrote: post #77
spectramax wrote: post #66

Earlier quoted context omitted.

With the new Apple Card, somewhere in the presentation Apple had "Goldman Sachs will never sell your data to third parties" but what about the MasterCard backend? Surely, they'll see exact transactions and store information?

They explained this in the keynote. They are generating a per-transaction card number, so there is no reasonable way for Mastercard to track what a certain person is buying.

What they described was card tokenization via the existing EMV standard for contactless payments.

  * Tokenization is using a unique per-device credit card.  These are generated by the payment network, so Mastercard knows who is making the payment.
  * EMV includes per-transaction tokens.
At no point did Apple say anything the prevents MasterCard from tracking your purchases. MasterCard shares this data with the credit networks, and the credit networks sell this data to third parties.

Re: Apple announces Apple Card credit card

#147

Post by twohearted »

AznHisoka wrote: post #104

Just allow me to create as many 'virtual' credit cards from a single card and that's enough. Every single provider that promised that feature has either underwhelmed, or gone out of business.

BofA still offers this but it's a shameful desktop-only tiny popup that only works with flash. They call it shopsafe.

Re: Apple announces Apple Card credit card

#148

Post by buboard »

cygned wrote: post #13

It sounds like Apple's doing a lot of things very right with Card. I am curious when it's going to be available here in Germany.

I wonder , is it possible to offer it throughout europe with a single bank partner, or will they have to have a partner in every country.

Re: Apple announces Apple Card credit card

#149

Post by SonicSoul »

hbosch wrote: post #133
AznHisoka wrote: post #104

Just allow me to create as many 'virtual' credit cards from a single card and that's enough. Every single provider that promised that feature has either underwhelmed, or gone out of business.

Privacy.com?

I think you have to give them your bank #. so i'd assume its bad for similar reasons a debit card is bad. but i'd like to hear more from people that used it.

also i doubt you'd get any spending points.. which is kind of a big perk

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