Apple Card is here, find out all you need to know

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  • Reply 81 of 91
    spice-boyspice-boy Posts: 1,455member
    Soli said:
    spice-boy said:

    I found out today that applying for the Apple Card will be a waste of time if you do not have a driver's license or "state ID". A US government ID such as a passport or US passport card is not accepted. I spoke with Apple reps today who told me Goldman Sacks requires this however I applied this morning and was approved without having to scan any ID. I cancelled the application after I received an approval but was asked to provide a driver's license later in the day when I decided to go through with the application.

    After some time talking to Apple custom support my call was forwarded to Goldman Sachs directly, and as I expected that told me the same thing Apple did. Nobody at either company imagined that some of us do not have a driver's license. I live in New York City (Manhattan) where about 50% of the population does not have one. The geniuses at both companies were NOT apple to explain why that was the case or were able to explain why my application was excepted the first time without scanning an ID or why they designed a system that leave out millions of NYC residents for getting an Apple Card. This service is a rushed product on behalf of both companies.

    But why don’t even have a state ID? Do you just carry a passport with you?
    I carry a passport card, issued by the US government when I renewed my passport a few years ago. 
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  • Reply 82 of 91
    spice-boyspice-boy Posts: 1,455member

    Soli said:
    spice-boy said:

    I found out today that applying for the Apple Card will be a waste of time if you do not have a driver's license or "state ID". A US government ID such as a passport or US passport card is not accepted. I spoke with Apple reps today who told me Goldman Sacks requires this however I applied this morning and was approved without having to scan any ID. I cancelled the application after I received an approval but was asked to provide a driver's license later in the day when I decided to go through with the application.

    After some time talking to Apple custom support my call was forwarded to Goldman Sachs directly, and as I expected that told me the same thing Apple did. Nobody at either company imagined that some of us do not have a driver's license. I live in New York City (Manhattan) where about 50% of the population does not have one. The geniuses at both companies were NOT apple to explain why that was the case or were able to explain why my application was excepted the first time without scanning an ID or why they designed a system that leave out millions of NYC residents for getting an Apple Card. This service is a rushed product on behalf of both companies.

    But why don’t even have a state ID? Do you just carry a passport with you?
    Right, can't you take a picture of whatever ID you use to board a plane?
    A passport card is the same size as a driver's license, it is accepted everywhere and every time I've been asked to provide an ID. It is an official US GOV ID, Apple and GS dropped the ball here, nobody in car saturated CA thought it possible for adults to survive without a DL, there are millions of people like me in Manhattan, a really dumb oversight from Apple and GS.
    edited August 2019
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  • Reply 83 of 91
    Solisoli Posts: 10,038member
    spice-boy said:
    Soli said:
    spice-boy said:

    I found out today that applying for the Apple Card will be a waste of time if you do not have a driver's license or "state ID". A US government ID such as a passport or US passport card is not accepted. I spoke with Apple reps today who told me Goldman Sacks requires this however I applied this morning and was approved without having to scan any ID. I cancelled the application after I received an approval but was asked to provide a driver's license later in the day when I decided to go through with the application.

    After some time talking to Apple custom support my call was forwarded to Goldman Sachs directly, and as I expected that told me the same thing Apple did. Nobody at either company imagined that some of us do not have a driver's license. I live in New York City (Manhattan) where about 50% of the population does not have one. The geniuses at both companies were NOT apple to explain why that was the case or were able to explain why my application was excepted the first time without scanning an ID or why they designed a system that leave out millions of NYC residents for getting an Apple Card. This service is a rushed product on behalf of both companies.

    But why don’t even have a state ID? Do you just carry a passport with you?
    I carry a passport card, issued by the US government when I renewed my passport a few years ago. 
    I won't be getting another Passport Card. I ask places when I travel if they will accept that over my Passport since it is, as you note, wallet sized, but either it's not or people have no idea. They wouldn't even accept it when I signed up for TSA pre-check but were fine with my birth certificate despite the Passport Card having a lot more information, being a modern form of identification that isn't easily faked, and having my picture on it.
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  • Reply 84 of 91
    spice-boyspice-boy Posts: 1,455member
    Soli said:
    spice-boy said:
    Soli said:
    spice-boy said:

    I found out today that applying for the Apple Card will be a waste of time if you do not have a driver's license or "state ID". A US government ID such as a passport or US passport card is not accepted. I spoke with Apple reps today who told me Goldman Sacks requires this however I applied this morning and was approved without having to scan any ID. I cancelled the application after I received an approval but was asked to provide a driver's license later in the day when I decided to go through with the application.

    After some time talking to Apple custom support my call was forwarded to Goldman Sachs directly, and as I expected that told me the same thing Apple did. Nobody at either company imagined that some of us do not have a driver's license. I live in New York City (Manhattan) where about 50% of the population does not have one. The geniuses at both companies were NOT apple to explain why that was the case or were able to explain why my application was excepted the first time without scanning an ID or why they designed a system that leave out millions of NYC residents for getting an Apple Card. This service is a rushed product on behalf of both companies.

    But why don’t even have a state ID? Do you just carry a passport with you?
    I carry a passport card, issued by the US government when I renewed my passport a few years ago. 
    I won't be getting another Passport Card. I ask places when I travel if they will accept that over my Passport since it is, as you note, wallet sized, but either it's not or people have no idea. They wouldn't even accept it when I signed up for TSA pre-check but were fine with my birth certificate despite the Passport Card having a lot more information, being a modern form of identification that isn't easily faked, and having my picture on it.
    A passport card is not a substitute for an official passport, its purpose is to provide an additional ID card for people like myself who do not have a driver's license or act as a second form of identification when need be. I will not get a NYS ID to please Apple or Goldman Sachs, I was curious about the card put this dumb move by these two companies have convinced me to stay with my present credit and bank cards.
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  • Reply 85 of 91
    melgrossmelgross Posts: 33,713member

    melgross said:
    Soli said:
    felix01 said:
    @Soli

    Well, I’m not going to list my cards on an open forum but this will get you started:

    https://www.creditcards.com/cash-back/

    https://www.nerdwallet.com/best/credit-cards/cash-back
    What cards are you referring? The one that has a massive annual fee, the ones that have it on select purchases, or the one has it as short-term introductory offer? Because those are not the same as better than 2% for all Apple Pay purchases at a minimum for a free card.
    This is sort of complicated. When we can afford a yearly fee for a card, it seems trivial. If we can’t, it seems excessive. I use my gold Amex for most every transaction. The only times I don’t, is the rare time it isn’t accepted by a company. Amex is the most consumer friendly card out there. Will Apple’s be better? We really don’t know yet, because there’s no track record. I haven’t had any problems using Apple Pay yet, so I don’t know what would happen with this card, if I did.

    there are a couple of things I like though. One is not getting the “pending” notice if I look something up that hasn’t gone through yet, which can take several days. 3% in Apple’s stores is nice. Otherwise, I’m trying to find something that catches me.
    It's not just in Apple Stores, it's 3% on any Apple online or retail product, or any Apple service -- apps, iTunes, rentals, Music, iCloud, Apple TV channels, etc. 

    That combined with 2% back on all NFC purchases is worth it for me to use for those use cases. I have a different card that is my plastic daily driver.
    That’s what I meant. A store is a store whether it’s online or brick.
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  • Reply 86 of 91
    melgrossmelgross Posts: 33,713member

    Soli said:
    spice-boy said:

    I found out today that applying for the Apple Card will be a waste of time if you do not have a driver's license or "state ID". A US government ID such as a passport or US passport card is not accepted. I spoke with Apple reps today who told me Goldman Sacks requires this however I applied this morning and was approved without having to scan any ID. I cancelled the application after I received an approval but was asked to provide a driver's license later in the day when I decided to go through with the application.

    After some time talking to Apple custom support my call was forwarded to Goldman Sachs directly, and as I expected that told me the same thing Apple did. Nobody at either company imagined that some of us do not have a driver's license. I live in New York City (Manhattan) where about 50% of the population does not have one. The geniuses at both companies were NOT apple to explain why that was the case or were able to explain why my application was excepted the first time without scanning an ID or why they designed a system that leave out millions of NYC residents for getting an Apple Card. This service is a rushed product on behalf of both companies.

    But why don’t even have a state ID? Do you just carry a passport with you?
    Right, can't you take a picture of whatever ID you use to board a plane?
    Shortly, no. You must either have a passport, or passport card, for domestic flights, or a state ID card that’s “verified”. That’s a newer designation that requires a number of points of ID. It’s good for international flights too.
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  • Reply 87 of 91
    melgross said:

    Soli said:
    spice-boy said:

    I found out today that applying for the Apple Card will be a waste of time if you do not have a driver's license or "state ID". A US government ID such as a passport or US passport card is not accepted. I spoke with Apple reps today who told me Goldman Sacks requires this however I applied this morning and was approved without having to scan any ID. I cancelled the application after I received an approval but was asked to provide a driver's license later in the day when I decided to go through with the application.

    After some time talking to Apple custom support my call was forwarded to Goldman Sachs directly, and as I expected that told me the same thing Apple did. Nobody at either company imagined that some of us do not have a driver's license. I live in New York City (Manhattan) where about 50% of the population does not have one. The geniuses at both companies were NOT apple to explain why that was the case or were able to explain why my application was excepted the first time without scanning an ID or why they designed a system that leave out millions of NYC residents for getting an Apple Card. This service is a rushed product on behalf of both companies.

    But why don’t even have a state ID? Do you just carry a passport with you?
    Right, can't you take a picture of whatever ID you use to board a plane?
    Shortly, no. You must either have a passport, or passport card, for domestic flights, or a state ID card that’s “verified”. That’s a newer designation that requires a number of points of ID. It’s good for international flights too.
    I have a passport card, but I always thought that the ‘international’ piece of it was only good for travel to Canada, Mexico, and the Caribbean, and that too only by land and sea, not air. 

    I rarely use it.
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  • Reply 88 of 91
    melgrossmelgross Posts: 33,713member
    melgross said:

    Soli said:
    spice-boy said:

    I found out today that applying for the Apple Card will be a waste of time if you do not have a driver's license or "state ID". A US government ID such as a passport or US passport card is not accepted. I spoke with Apple reps today who told me Goldman Sacks requires this however I applied this morning and was approved without having to scan any ID. I cancelled the application after I received an approval but was asked to provide a driver's license later in the day when I decided to go through with the application.

    After some time talking to Apple custom support my call was forwarded to Goldman Sachs directly, and as I expected that told me the same thing Apple did. Nobody at either company imagined that some of us do not have a driver's license. I live in New York City (Manhattan) where about 50% of the population does not have one. The geniuses at both companies were NOT apple to explain why that was the case or were able to explain why my application was excepted the first time without scanning an ID or why they designed a system that leave out millions of NYC residents for getting an Apple Card. This service is a rushed product on behalf of both companies.

    But why don’t even have a state ID? Do you just carry a passport with you?
    Right, can't you take a picture of whatever ID you use to board a plane?
    Shortly, no. You must either have a passport, or passport card, for domestic flights, or a state ID card that’s “verified”. That’s a newer designation that requires a number of points of ID. It’s good for international flights too.
    I have a passport card, but I always thought that the ‘international’ piece of it was only good for travel to Canada, Mexico, and the Caribbean, and that too only by land and sea, not air. 

    I rarely use it.
    I go to the U.K. now and then, and it won’t work for that.a state license that’s verified will.
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  • Reply 89 of 91
    macguimacgui Posts: 2,647member
    It's not just in Apple Stores, it's 3% on any Apple online or retail product, or any Apple service -- apps, iTunes, rentals, Music, iCloud, Apple TV channels, etc.
    I assume that means at the online Apple Store, not any authorized seller of Apple kit? That would be awesome, combined with B&H PayBoo rebates.
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  • Reply 90 of 91
    spice-boy said:

    I found out today that applying for the Apple Card will be a waste of time if you do not have a driver's license or "state ID". A US government ID such as a passport or US passport card is not accepted. I spoke with Apple reps today who told me Goldman Sacks requires this however I applied this morning and was approved without having to scan any ID. I cancelled the application after I received an approval but was asked to provide a driver's license later in the day when I decided to go through with the application.

    After some time talking to Apple custom support my call was forwarded to Goldman Sachs directly, and as I expected that told me the same thing Apple did. Nobody at either company imagined that some of us do not have a driver's license. I live in New York City (Manhattan) where about 50% of the population does not have one. The geniuses at both companies were NOT able to explain why that was the case or were able to explain why my application was excepted the first time without scanning an ID or why they designed a system that leave out millions of NYC residents for getting an Apple Card. This service is a rushed product on behalf of both companies.

    Sorry to hear about your problems with the ID issue. My experience was different. I guess the most you can say is YMMV.

    In my case, I was not asked to scan an ID.  I received the Apple Card about two weeks ago.  If you are a Manhattan resident and don't drive a car, I'd highly recommend you still take a trip to the DMV to get a RealID (you can get a non-drivers license ID under the RealID program) sooner rather than later.  You'll need it next year if you fly in the US and given the lines at the DMV already, I can imagine it will only get worse.  

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  • Reply 91 of 91
    @Soli ;

    First of all, the Fidelity 2% cashback card, Citi double cash card, and Paypal cashback card are all free cards that offer 2% cashback on ALL purchases. So yes, these all exceed the 2% offered by Apple on Apple Pay purchases only. Not to mention the various sign on bonuses, price protections, and extended warranty coverages these cards offer that Apple has yet to (if at all) announce for the Apple card. 

    Seconf of all, regarding your "thousands of dollars" you spend each year directly from Apple, well, you're just a fool for spending full price when you can easily find the products (even new ones) for a discount much greater than the extra 1% you get with the Apple card. For example, Amazon is selling the new iPad Air for $469 while selling for $499 at the Apple Store. Many people have the Amazon Store card or Amazon Prime card, both giving 5% discount on ALL Amazon purchases. So in the Amazon example, 6% discount on base price plus 5% Amazon card discount is 11% total discount from purchasing from Amazon vs Apple Store. How does your 3% sound now?

    You have fervently defended this Apple Card and decried anyone else with valid facts as to why the Apple card is not the best card as trolls which is clearly untrue.

    %2 is more if it isn't Apple.

    It's insane how people hypocritically bash Apple and get away with it. Apple always held to a higher standard.

    Keep your unsafe, data collecting cards buddy and we'll keep our titanium ones.
    But but... it's not Apple. It's Goldman Sachs. A bank is still sharing your data ;)
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