Losing your iPhone makes paying off Apple Card a hassle

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Comments

  • Reply 21 of 36
    StrangeDaysStrangeDays Posts: 8,582member
    It’s fine, you just call the bank. If you're living a doomsday scenario and don’t have automatic payments enabled, *and* you lose your phone *and* you don’t have an iPad...just call the bank (“But I lost my phoooone!” yeah just borrow one). 

    Beats expressing faux outrage on the web. 
    edited August 13 watto_cobra
  • Reply 22 of 36
    StrangeDaysStrangeDays Posts: 8,582member
    ...



    As noted by BuzzFeed News, Apple currently restricts most actions to Wallet, including paying off an existing balance. With no online alternative, misplacing, losing or having an iPhone stolen means users are stripped of access to Apple's lone avenue of account management.

    According to an Apple Support representative, Apple Card holders without their primary device can access Wallet on another iOS device or call Apple Support to speak with an Apple Card specialist from card issuer Goldman Sachs. To make a payment, users will need to furnish their name, date of birth, last four digits of their Social Security number and the phone number tied to the account, the report said.


    ...
    I prefer to pay bills by having my bank perform an ACH transaction for the specified amount.  Plus, I avoid linking in any way my bank account to anything -- even my iPhone.
    You avoid linking your bank account to anything, but you pay via an electronic ACH...which is a link to your bank account. Oops. 

    Sorry, but irrational paranoia about linking a bank account isn’t a deal breaker for most people. It’s not the 1980s any longer. 
    watto_cobra
  • Reply 23 of 36
    ...



    As noted by BuzzFeed News, Apple currently restricts most actions to Wallet, including paying off an existing balance. With no online alternative, misplacing, losing or having an iPhone stolen means users are stripped of access to Apple's lone avenue of account management.

    According to an Apple Support representative, Apple Card holders without their primary device can access Wallet on another iOS device or call Apple Support to speak with an Apple Card specialist from card issuer Goldman Sachs. To make a payment, users will need to furnish their name, date of birth, last four digits of their Social Security number and the phone number tied to the account, the report said.


    ...
    I prefer to pay bills by having my bank perform an ACH transaction for the specified amount.  Plus, I avoid linking in any way my bank account to anything -- even my iPhone.
    You avoid linking your bank account to anything, but you pay via an electronic ACH...which is a link to your bank account. Oops. 

    Sorry, but irrational paranoia about linking a bank account isn’t a deal breaker for most people. It’s not the 1980s any longer. 
    I do not know how current this information is regarding how to pay your Apple Credit Card balance. Currently I initiate a ACH transfer authorizing  my bank to pay a bill. That is my intent with the Apple Card/issuing financial institution. However from this article I might have to reverse that by allowing Apple Card to pull funds from my checking account to pay bill. This is why I have a checking account soley for the purpose of ACH transfers  .  
    https://support.apple.com/en-us/HT209226
  • Reply 24 of 36
    GeorgeBMacGeorgeBMac Posts: 5,145member
    ...



    As noted by BuzzFeed News, Apple currently restricts most actions to Wallet, including paying off an existing balance. With no online alternative, misplacing, losing or having an iPhone stolen means users are stripped of access to Apple's lone avenue of account management.

    According to an Apple Support representative, Apple Card holders without their primary device can access Wallet on another iOS device or call Apple Support to speak with an Apple Card specialist from card issuer Goldman Sachs. To make a payment, users will need to furnish their name, date of birth, last four digits of their Social Security number and the phone number tied to the account, the report said.


    ...
    I prefer to pay bills by having my bank perform an ACH transaction for the specified amount.  Plus, I avoid linking in any way my bank account to anything -- even my iPhone.
    You avoid linking your bank account to anything, but you pay via an electronic ACH...which is a link to your bank account. Oops. 

    Sorry, but irrational paranoia about linking a bank account isn’t a deal breaker for most people. It’s not the 1980s any longer. 
    Sorry -- you need to educate yourself on how banks schedule and perform their automated ACH transactions..  As for providing my bank with my account information, that's not a problem since they already have it -- but that's as far as it goes.

    And, while you are at it, you should probably educate yourself on what "paranoia" is.  But you are right on ONE thing, this is not the 1980's -- back then account hacking and ID Theft was rare.  Today its one of the fastest growing crimes.

    So, your whole post is nonsense.
    Or were you just trolling?  Yeh, since you made no attempt to contribute anything to the conversation, it sounds like you're just a troll.
    MplsP
  • Reply 25 of 36
    jdwjdw Posts: 785member
    elector said:
    jdw said:
    AppleInsider, that YouTube video is inadequate.  It's title is "everything you need to know..." but that isn't true.  It talks nothing about the most important fundamentals of credit card use -- how to link a bank account to even pay off your Apple Card balance!  Please make another video explaining that process in detail.  Please also show us how payment scheduling works.  These are fundamentals that affect every Apple Card owner, and some of us haven't received our invites yet so we want to learn these details prior to signing up for the card.

    Thank you.
    Go into Wallet-Click the apple card-select the three ... and then select BANK ACCOUNTS
    just enter your banks routing information and account number, save and its there. You can add multiple bank accounts. the card arrives in about 4 days.
    I can't because I've not yet received an invitation.  But even when I do, you still didn't cover scheduled payments or auto-pay, assuming that even exists.  I want to know more detail about that.

    Thanks.
    watto_cobra
  • Reply 26 of 36
    rogifan_newrogifan_new Posts: 4,194member
    No web access is a bummer. Hopefully that comes soon. A lot of the reporting around Apple Card is way over the top. Macworld has a great article about this. Apple isn’t disrupting the credit card industry. It’s a MasterCard issued from a large bank. Apple Card isn’t about disrupting the industry it’s about keeping iPhone owners more locked-in to Apple.

  • Reply 27 of 36
    StrangeDaysStrangeDays Posts: 8,582member
    ...



    As noted by BuzzFeed News, Apple currently restricts most actions to Wallet, including paying off an existing balance. With no online alternative, misplacing, losing or having an iPhone stolen means users are stripped of access to Apple's lone avenue of account management.

    According to an Apple Support representative, Apple Card holders without their primary device can access Wallet on another iOS device or call Apple Support to speak with an Apple Card specialist from card issuer Goldman Sachs. To make a payment, users will need to furnish their name, date of birth, last four digits of their Social Security number and the phone number tied to the account, the report said.


    ...
    I prefer to pay bills by having my bank perform an ACH transaction for the specified amount.  Plus, I avoid linking in any way my bank account to anything -- even my iPhone.
    You avoid linking your bank account to anything, but you pay via an electronic ACH...which is a link to your bank account. Oops. 

    Sorry, but irrational paranoia about linking a bank account isn’t a deal breaker for most people. It’s not the 1980s any longer. 
    Sorry -- you need to educate yourself on how banks schedule and perform their automated ACH transactions..  As for providing my bank with my account information, that's not a problem since they already have it -- but that's as far as it goes.

    And, while you are at it, you should probably educate yourself on what "paranoia" is.  But you are right on ONE thing, this is not the 1980's -- back then account hacking and ID Theft was rare.  Today its one of the fastest growing crimes.

    So, your whole post is nonsense.
    Or were you just trolling?  Yeh, since you made no attempt to contribute anything to the conversation, it sounds like you're just a troll.
    Actually I wrote software for one of the largest national banks in the country for many years. You’re implying you don’t trust organizations to have your account & routing numbers to make ACH payments when you initiate them (ex via Apple Card), but you also use ACH to perform payments, which is trusting an organization (at the very least, your own bank staff) to make payments on your behalf. It’s an irrational distinction. If your bank employees wanted to screw you and send erroneous transactions, they could. But they don’t. Nor will Apple Card staff. And if they did make an error for some reason, your bank and their merchant bank could resolve the error. 

    Even if you sent a paper check, they’d still have access to your account and routing number. How do you think they get the money?

    It reminds me when I worked for a leading web retailer — sometimes old/scared people would call the 1-800 number to place an order because they didn’t trust the web with their credit card. Guess what our agents used to place their order? The web. That’s essentially you. 
    watto_cobra
  • Reply 28 of 36
    kent909kent909 Posts: 711member
    Someone tell me where the “Make a Payment” button is. In the schedule payments you are not given the option of designating a specific amount. Either minimum or I increments of $100 up to your limit. 
    watto_cobra
  • Reply 29 of 36
    MplsPMplsP Posts: 1,669member
    ...



    As noted by BuzzFeed News, Apple currently restricts most actions to Wallet, including paying off an existing balance. With no online alternative, misplacing, losing or having an iPhone stolen means users are stripped of access to Apple's lone avenue of account management.

    According to an Apple Support representative, Apple Card holders without their primary device can access Wallet on another iOS device or call Apple Support to speak with an Apple Card specialist from card issuer Goldman Sachs. To make a payment, users will need to furnish their name, date of birth, last four digits of their Social Security number and the phone number tied to the account, the report said.


    ...
    I prefer to pay bills by having my bank perform an ACH transaction for the specified amount.  Plus, I avoid linking in any way my bank account to anything -- even my iPhone.
    You avoid linking your bank account to anything, but you pay via an electronic ACH...which is a link to your bank account. Oops. 

    Sorry, but irrational paranoia about linking a bank account isn’t a deal breaker for most people. It’s not the 1980s any longer. 
    Sorry -- you need to educate yourself on how banks schedule and perform their automated ACH transactions..  As for providing my bank with my account information, that's not a problem since they already have it -- but that's as far as it goes.

    And, while you are at it, you should probably educate yourself on what "paranoia" is.  But you are right on ONE thing, this is not the 1980's -- back then account hacking and ID Theft was rare.  Today its one of the fastest growing crimes.

    So, your whole post is nonsense.
    Or were you just trolling?  Yeh, since you made no attempt to contribute anything to the conversation, it sounds like you're just a troll.
    Actually I wrote software for one of the largest national banks in the country for many years. You’re implying you don’t trust organizations to have your account & routing numbers to make ACH payments when you initiate them (ex via Apple Card), but you also use ACH to perform payments, which is trusting an organization (at the very least, your own bank staff) to make payments on your behalf. It’s an irrational distinction. If your bank employees wanted to screw you and send erroneous transactions, they could. But they don’t. Nor will Apple Card staff. And if they did make an error for some reason, your bank and their merchant bank could resolve the error. 

    Even if you sent a paper check, they’d still have access to your account and routing number. How do you think they get the money?

    It reminds me when I worked for a leading web retailer — sometimes old/scared people would call the 1-800 number to place an order because they didn’t trust the web with their credit card. Guess what our agents used to place their order? The web. That’s essentially you. 
    Clearly, there has to be a connection between your bank and your card issuer for the funds transfer to occur. For me, the distinction is whether the money is ‘pushed’ by my bank, or ‘pulled’ by the credit card company. My assumption is that the latter involves the card issuer storing my account info on there server to allow them to make the withdrawal whereas the former does not. As such, you would be less exposed since your card issuer does not store your account information. Is this not correct?
    GeorgeBMac
  • Reply 30 of 36
    MplsPMplsP Posts: 1,669member
    I agree with people that the actual level of inconvenience caused by this is going to be negligible to the vast majority of people. I can handle calling someone if my phone gets lost. That’s basically what you have to do if you loose a traditional card anyway. What I take away from it is not that I might have to call someone if my phone gets lost, rather how restricted access to the card and relevant information is. The card ‘lives’ on my phone - fine, but I can’t track it with Quicken, Moneydance or Banktivity and there’s no web site so I can’t log on to get statements or make payments. Both of those are a much bigger inconvenience for far more people.  

    Edit - almost everyone has more than one card these days, so any sort of tracking done on one particular card gives an incomplete picture and is of minimal value. To really ‘track’ your spending you need to look at all of it, including automated payments that don’t go through your credit card. For this, financial software is all but essential.
    edited August 13 GeorgeBMac
  • Reply 31 of 36
    GeorgeBMacGeorgeBMac Posts: 5,145member
    ...



    As noted by BuzzFeed News, Apple currently restricts most actions to Wallet, including paying off an existing balance. With no online alternative, misplacing, losing or having an iPhone stolen means users are stripped of access to Apple's lone avenue of account management.

    According to an Apple Support representative, Apple Card holders without their primary device can access Wallet on another iOS device or call Apple Support to speak with an Apple Card specialist from card issuer Goldman Sachs. To make a payment, users will need to furnish their name, date of birth, last four digits of their Social Security number and the phone number tied to the account, the report said.


    ...
    I prefer to pay bills by having my bank perform an ACH transaction for the specified amount.  Plus, I avoid linking in any way my bank account to anything -- even my iPhone.
    You avoid linking your bank account to anything, but you pay via an electronic ACH...which is a link to your bank account. Oops. 

    Sorry, but irrational paranoia about linking a bank account isn’t a deal breaker for most people. It’s not the 1980s any longer. 
    Sorry -- you need to educate yourself on how banks schedule and perform their automated ACH transactions..  As for providing my bank with my account information, that's not a problem since they already have it -- but that's as far as it goes.

    And, while you are at it, you should probably educate yourself on what "paranoia" is.  But you are right on ONE thing, this is not the 1980's -- back then account hacking and ID Theft was rare.  Today its one of the fastest growing crimes.

    So, your whole post is nonsense.
    Or were you just trolling?  Yeh, since you made no attempt to contribute anything to the conversation, it sounds like you're just a troll.
    Actually I wrote software for one of the largest national banks in the country for many years. You’re implying you don’t trust organizations to have your account & routing numbers to make ACH payments when you initiate them (ex via Apple Card), but you also use ACH to perform payments, which is trusting an organization (at the very least, your own bank staff) to make payments on your behalf. It’s an irrational distinction. If your bank employees wanted to screw you and send erroneous transactions, they could. But they don’t. Nor will Apple Card staff. And if they did make an error for some reason, your bank and their merchant bank could resolve the error. 

    Even if you sent a paper check, they’d still have access to your account and routing number. How do you think they get the money?

    It reminds me when I worked for a leading web retailer — sometimes old/scared people would call the 1-800 number to place an order because they didn’t trust the web with their credit card. Guess what our agents used to place their order? The web. That’s essentially you. 
    LOL...  You don't even make a very good troll!  
  • Reply 32 of 36
    jdw said:
    elector said:
    jdw said:
    AppleInsider, that YouTube video is inadequate.  It's title is "everything you need to know..." but that isn't true.  It talks nothing about the most important fundamentals of credit card use -- how to link a bank account to even pay off your Apple Card balance!  Please make another video explaining that process in detail.  Please also show us how payment scheduling works.  These are fundamentals that affect every Apple Card owner, and some of us haven't received our invites yet so we want to learn these details prior to signing up for the card.

    Thank you.
    Go into Wallet-Click the apple card-select the three ... and then select BANK ACCOUNTS
    just enter your banks routing information and account number, save and its there. You can add multiple bank accounts. the card arrives in about 4 days.
    I can't because I've not yet received an invitation.  But even when I do, you still didn't cover scheduled payments or auto-pay, assuming that even exists.  I want to know more detail about that.

    Thanks.
    Since I don't work for Goldman Sachs or Apple Inc. I cannot tell you about "auto pay" or "scheduled payments" I just answered your question as to where you can set up a "Bank entry". You could go to the Goldman Sachs web site and look up the particulars on how to pay.  https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf

    How to pay is on Page 9 all of what you want to do as payments is listed there. After you get a alert to apply of course.

  • Reply 33 of 36
    jdwjdw Posts: 785member
    elector said:
    jdw said:
    elector said:
    jdw said:
    AppleInsider, that YouTube video is inadequate.  It's title is "everything you need to know..." but that isn't true.  It talks nothing about the most important fundamentals of credit card use -- how to link a bank account to even pay off your Apple Card balance!  Please make another video explaining that process in detail.  Please also show us how payment scheduling works.  These are fundamentals that affect every Apple Card owner, and some of us haven't received our invites yet so we want to learn these details prior to signing up for the card.

    Thank you.
    Go into Wallet-Click the apple card-select the three ... and then select BANK ACCOUNTS
    just enter your banks routing information and account number, save and its there. You can add multiple bank accounts. the card arrives in about 4 days.
    I can't because I've not yet received an invitation.  But even when I do, you still didn't cover scheduled payments or auto-pay, assuming that even exists.  I want to know more detail about that.

    Thanks.
    Since I don't work for Goldman Sachs or Apple Inc. I cannot tell you about "auto pay" or "scheduled payments" I just answered your question as to where you can set up a "Bank entry". You could go to the Goldman Sachs web site and look up the particulars on how to pay.  https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf

    How to pay is on Page 9 all of what you want to do as payments is listed there. After you get a alert to apply of course.

    Thank you for bringing that PDF and page 9 to my attention.  It says absolutely nothing about scheduled or automatic payments and I must therefore treat such as mere speculation and rumor, or a flat out falsehood.  If it truly existed, it should be in that PDF.

    Thanks.
  • Reply 34 of 36
    First, A hassle that will mean nothing on that unfortunate day you will lose your iPhone and the many questions Will be....did it backup? When was the last backup? Do I have insurance on it? Can I pay the deductible right away? I need to make an appointment to get it replace at Apple? Do I have the time to get it replace today?

    but sure people will instead be like: oh nooo my payment my payment my payment!!!!

    If you want to avoid this just when you get the Apple Card in the wallet app there is option for message, call or website.

    Website...Apple Card website to learn things about payments use activation etc

    Message...well this one is pretty obvious for CS

    Call...there is a 877 number that pops I guessed if you want to avoid this hassle just write it on a piece of paper and have it ready when the horror arrives and you loose your iphone. 

    Some people are frustrated because it doesn’t have web access: Well guys it is a card that is was made to live in the Wallet App:
    to increase Apple Pay use? Maybe
    to keep users in the Apple ecosystem? Maybe

    Everything is there: Transactions, Credit details, Profile information, Customer Service, Rewards category, Rewards balance, Payments the only thing missing is downloading transactions but again the majority of the people wouldn’t care for that.

    For example for those into Points/Miles like me, haven't you go to UR website or Amex website to see if a purchase coded as 4X or 3X? with the Apple Card as soon as you make the transaction it shows 1% 2% 3%  

    For those asking how does it look on iPad it is even better because everything is on the same screen. On iPhone you have some info when you open wallet and some more when you touch the 3-dot circle at the top/right.

    Let me know if anyone have any ? or send a dm via twitter 

    Oh another thing: for those that like to make payments to increase their “available credit” or make a payment for a pending transaction you are out of luck.
    The apps tells you; “your balance includes pending transactions” while showing a circle with the maximum payment allowed.
    ”The remaining balance can be paid once the transactions have been processed”

  • Reply 35 of 36
    gatorguygatorguy Posts: 21,112member
    There's a potential issue some may have with the Apple Card if they pay attention to the terms: Forced Arbitration which means you give up your right to sue Apple and/or GS if a problem arises with your account that they refuse to address. That's still a relatively common requirement set forth in many credit card agreements. 

    .... But you don't have to accept it if you take care of it right after opening your account. Call Apple at 877-255-5923 or write a letter to them at Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112 telling them you are rejecting the arbitration clause.

    Noticed that at ARS one of their staff mentions too that you can use the chat feature in your Wallet app to contact them as well to tell them of your preference which is what he did. Might be more convenient. 

    Don't wait until you have a problem tho.  You have only 90 days to opt out, otherwise you've accepted it. 
  • Reply 36 of 36
    jdw said:
    elector said:
    jdw said:
    elector said:
    jdw said:
    AppleInsider, that YouTube video is inadequate.  It's title is "everything you need to know..." but that isn't true.  It talks nothing about the most important fundamentals of credit card use -- how to link a bank account to even pay off your Apple Card balance!  Please make another video explaining that process in detail.  Please also show us how payment scheduling works.  These are fundamentals that affect every Apple Card owner, and some of us haven't received our invites yet so we want to learn these details prior to signing up for the card.

    Thank you.
    Go into Wallet-Click the apple card-select the three ... and then select BANK ACCOUNTS
    just enter your banks routing information and account number, save and its there. You can add multiple bank accounts. the card arrives in about 4 days.
    I can't because I've not yet received an invitation.  But even when I do, you still didn't cover scheduled payments or auto-pay, assuming that even exists.  I want to know more detail about that.

    Thanks.
    Since I don't work for Goldman Sachs or Apple Inc. I cannot tell you about "auto pay" or "scheduled payments" I just answered your question as to where you can set up a "Bank entry". You could go to the Goldman Sachs web site and look up the particulars on how to pay.  https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf

    How to pay is on Page 9 all of what you want to do as payments is listed there. After you get a alert to apply of course.

    Thank you for bringing that PDF and page 9 to my attention.  It says absolutely nothing about scheduled or automatic payments and I must therefore treat such as mere speculation and rumor, or a flat out falsehood.  If it truly existed, it should be in that PDF.

    Thanks.
    I think if you read it very carefully the payments can be done as laid out in the TOS. Other than that contact Apple or Goldman Sachs credit card services. 
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