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Apple Card launches today for all US customers

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Re: Apple Card launches today for all US customers

#171

Post by Rebelgecko »

peteretep wrote: post #85
Rebelgecko wrote: post #66

Earlier quoted context omitted.

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.

> Most Samsung phones can emulate the mag stripe of a credit card if you hold them near the swipe area Source for this claim?

Like other people mentioned, the tech is called magnetic secure transmission. I don't have a source for "most", but it's been in all of their flagships and some of the midrange phones since the Galaxy S6 so it seemed like a safe assumption. The only 2 places it doesn't work easily for me are Trader Joe's and gas stations. There's a hacky workaround to use MST at gas stations but IMO it's not worth the effort (the pumps expect a card to be physically inserted, so you can just put in a library card or your driver's license before you hold your phone up to the reader)

Re: Apple Card launches today for all US customers

#172

Post by DuskStar »

millstone wrote: post #77
tidepod12 wrote: post #53

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…

> I can see my purchase on a map, and Apple can't - nice.

Why on earth would you think Apple can't see where your purchases were?

Re: Apple Card launches today for all US customers

#173

Post by irq »

js2 wrote: post #142
irq wrote: post #76

Earlier quoted context omitted.

You change the setting in the Wallet app. Tap your Apple Card, then tap the 3 dots in the top right corner. Press the button labeled “Make Default at Apple”.

I looked there. I really don’t have that button. At this point I’ve manually copied the card info for both my Apple IDs but I don’t think I had that button at any point. Maybe it’s because I have separate IDs for iCloud and iTunes.

Did you scroll all the way down that page looking for the option? It’s hidden below the fold

Re: Apple Card launches today for all US customers

#174

Post by Terretta »

adamredwoods wrote: post #12

What I found interesting: - No card number - "At Apple, we firmly believe in your right to privacy. That’s why we created a unique architecture for Apple Card that generates things like your transaction history and spending summaries right in the Wallet app on your iPhone. Of course, Goldman Sachs will use your data to operate Apple Card. But they will never share or sell your data to third parties for marketing or a…

> APRs are still relatively high

Not sure that’s true. Apple Card gave me an APR lower than every APR shown here:

https://www.nerdwallet.com/low-interest-credit-cards

Once in a blue moon, Barclay’s Ring card offers an 8% APR, but it’s 14.4% now.

Re: Apple Card launches today for all US customers

#175

Post by jxcl »

DuskStar wrote: post #172
millstone wrote: post #77

Earlier quoted context omitted.

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…

> I can see my purchase on a map, and Apple can't - nice. Why on earth would you think Apple can't see where your purchases were?

Big ol’ block of text on the product page. https://www.apple.com/apple-card/privacy-security/

> Even Apple doesn’t know what you bought. Or where. Or how much you paid.

> At Apple, we firmly believe in your right to privacy. That’s why we created a unique architecture for Apple Card that generates things like your transaction history and spending summaries right in the Wallet app on your iPhone. Of course, Goldman Sachs will use your data to operate Apple Card. But they will never share or sell your data to third parties for marketing or advertising.

Re: Apple Card launches today for all US customers

#176

Post by tkxxx7 »

js2 wrote: post #41
suninwinter wrote: post #25

Earlier quoted context omitted.

There’s a “make default at Apple” button in the card settings that I was able to use to accomplish that without copy/pasting. Weird they didn’t just ask during the setup process.

Odd, I was given an option to make it the default card in my Wallet, but I don’t recall an option to make it the payment method for my Apple ID. I also don’t see anything magical here about how to add it to my Apple ID: https://support.apple.com/en-us/HT209225

I was trying to figure out how to do the same, and it magically appeared about 7 minutes after I was approved.

Re: Apple Card launches today for all US customers

#177

Post by rconti »

ghaff wrote: post #168
astura wrote: post #159

Earlier quoted context omitted.

Signatures are optional for US cards https://www.creditcards.com/credit-card-news/signatures-soon... Strangely enough, it seems that this applies to mostly transactions in North America, for some reason. That being said, an individual payment terminal can be configured to require a signature and it might take a while to switch over. The first day they were optional my grocery store got rid of them on their terminals,…

Especially with pads, signatures as a verification mechanism are just silly in this day and age. Maybe some people actually sign legibly but most of us just do a scribble. (My signature on the back of my credit card is equally illegible so, in the rare occasions when someone does a compare, I've never had an issue. Fortunately, they do seem to be on the way out though I do typically have to sign a slip in Europe and…

Yeah, I don't even sign my cards. If the merchant looks at the signature line, they just hand it back to me. I've never even been asked for ID.

Re: Apple Card launches today for all US customers

#178

Post by ghaff »

rconti wrote: post #177
ghaff wrote: post #168

Earlier quoted context omitted.

Especially with pads, signatures as a verification mechanism are just silly in this day and age. Maybe some people actually sign legibly but most of us just do a scribble. (My signature on the back of my credit card is equally illegible so, in the rare occasions when someone does a compare, I've never had an issue. Fortunately, they do seem to be on the way out though I do typically have to sign a slip in Europe and…

Yeah, I don't even sign my cards. If the merchant looks at the signature line, they just hand it back to me. I've never even been asked for ID.

I have been asked for ID once or twice. (I think you sometimes get young clerks who were told to do something and they haven't figured out no one takes that "rule" seriously.)

Re: Apple Card launches today for all US customers

#179

Post by js2 »

irq wrote: post #173
js2 wrote: post #142

Earlier quoted context omitted.

I looked there. I really don’t have that button. At this point I’ve manually copied the card info for both my Apple IDs but I don’t think I had that button at any point. Maybe it’s because I have separate IDs for iCloud and iTunes.

Did you scroll all the way down that page looking for the option? It’s hidden below the fold

It really doesn't appear for me. Really really. I've once again invoked the special:

    if (username == "js2") {
        return;
    }
Clause in the code base. Not a case of PEBKAC. Promise. I appreciate the pointer though.

- https://ibb.co/X28zXGR

- https://ibb.co/tm8nzrF

- https://ibb.co/dk3j7m0

Re: Apple Card launches today for all US customers

#180

Post by aggie »

Brendinooo wrote: post #20
4ntonius8lock wrote: post #10

1% back using the card? I make few purchases with less than 3%. In terms of security, I've had my card cloned. Within minutes the bank locked the account and had a new card shipped. Hardly a big pain point they are solving. And most of us have more than one, so if any of our cards are down, we have others. It's merchants that currently carry the cost of low quality financial instrument standards we have. For privacy,…

How are you doing 3%? Rolling rewards? Doesn't seem like there are a lot of 3% cards out there without an annual fee or a set of conditions to try and fulfill. 2% on all Apple Pay purchases is pretty straightforward.

It's not difficult to average 3% or more with a stack of credit cards, if you're willing to juggle them. Obviously going with an across the board 2% rate is easier.

Uber Visa 4% on dining Costco Visa 4% for gas Amazon Prime Visa 5% on Amazon and Whole Foods purchases [add more to cover your major spending categories] Citi Doublecash for 2% on everything else

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