sirlance99

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sirlance99
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  • Apple services & Apple Card 'too late to the game,' HSBC downgrades stock

    Soli said:
    Soli said:
    Did HSBC even bother to study these new services? The apple card is something no other card can even come close to offer. The TV service is also much more comprehensive than other services. If it was too late, I wonder why Samsung, LG and other makers have made Apple TV a native app on their smart TV.  Lastly their Apple Music was launched way after Spotify but has already surpassed paid users in USA. I think HSBC should worry more about their own performance which has dwindled along these years rather than making comments on subjects they are not even familiar with or made thorough study. 
    I have many card that beat the Apple Card. 
    Which cards do you have that offer you more than 3% back on Apple purchases?
    Which cards do you have that offer you more than 2% bak on Apple Pay-based purchases?
    Which cards do you have that offer you your cash back that day instead of waiting for the billing cycle to roll over (and in many cases only give you half your percentage back until you pay off your charges)?
    Which cards do you have that offer you better than zero late fees? (How is that even possible other than giving you some cash incentive for paying on time?)
    Which cards do you have that offer you better than zero on overage fees? (How is that even possible other than giving you some cash incentive for not going over your balance?)
    Which cards do you have that offer you better than a laser etched, titanium card? (How is that even quantifiable?)
    What cards do you have incentive the security of Apple Pay over using the physical card counterpart?
    What cards do you have that are available via Apple Pay after you've signed up and before you've received your physical card?

    Saying the Card doesn't offer anything because it exits within the reality of finance and credit cards is like arguing that Apple's A-series chips are meh because Apple licenses from ARM instead of reinventing the entire microprocessor from the ground up. Being the best and most idealized option doesn't mean that everything has to outlandishly original to be an effective product—nor does it have to be the best option for everyone. You're a frequent travel so you prefer your Delta card for airline miles? That's perfectly fine just as there are legitimate reasons one needs or prefers an Android phone or Windows laptop without having to hate Apple for existing.
    Amazon,Citi, Chase and Discover just to name a few.
     
    Literally almost all my cards since they are all in the wallet app already for use with NFC payments. 

    Capital One and Navy Federal offers cash back as soon as the purchase posts. But I don’t care about the few cents to a few dollars a day I get anyway as it has no impact on my budget and I turn them all in once a year anyway. Non issue. 

    Late fees never worry me as I never occur them. Non issue. 

    Once again, a non issue since I have such high limits overage fees will never happen. 

    Have a few metal cards. Don’t care about that at all as all that does is try and impress others which I don’t care about. Non issue. 

    Have almost all my cards res in the Wallet app already for use for NFC payments. Same security. Non issue. 

    Have many cards that that beat the Apple Card so don’t care about having it the same day. Once again, a non issue. 

    Don’t hate Apple as all my products are Apple. But I do play the credit card churning game and all of us don’t see that much of a benefit with the Apple Card. I’ll make more money off of other cards. 
    Again, which cards offer you better than 3% on Apple products or better than 2% as a minimum for NFC-based purchases?

    I’m not seeing a single one. I see one card for the former, the current Apple credit card from Barclays, that offers the same 3%, but you have to wait until you get $25 built up and then they mail you an Apple Store GC which makes it overall worse than their announced card, and many that equal the 2% back as a minimum, but nothing that “does better” for Apple Pay payments.

    I also see no other card that is designed to help spur increased awareness and usage of Apple Pay, only basic support for Apple Pay.
    Easy, Amazon Store Card, Amazon Chase Card or Discover. 5% back. Since I don’t buy products at the Apple store because I can get them cheaper and get 5% back buying online, I’m saving even more money. So once again, NFC 3% is a non issue. Don’t care at all about getting the cash back immediately as it such a insufficient amount it has no bearing on my finances. 

    Where’s the price protection, where’s the extended warranty, where’s the many other rewards that other cards have that Apple Card does not? 

    The Apple Card is a middle of the road card. Better then some, worse than others. 
    chemengin
  • Apple services & Apple Card 'too late to the game,' HSBC downgrades stock

    Did HSBC even bother to study these new services? The apple card is something no other card can even come close to offer. The TV service is also much more comprehensive than other services. If it was too late, I wonder why Samsung, LG and other makers have made Apple TV a native app on their smart TV.  Lastly their Apple Music was launched way after Spotify but has already surpassed paid users in USA. I think HSBC should worry more about their own performance which has dwindled along these years rather than making comments on subjects they are not even familiar with or made thorough study. 
    I have many card that beat the Apple Card. 
    airnerd
  • How the Apple Card will assist in managing your finances

    Soli said:
    eightzero said:
    I'm curious how I will connect my method of payment. Yes, a "pay now" button, and I think it ties to Apple Pay Cash, but there's no information about how to put money in that except for another credit card (with a fee) and a debit card (no fee) or the coming rewards program.  Surely you won't be able to pay the Apple Card with another credit card, and I do not have a debit card for my bank account (I never use it, and is thus an unneeded risk.) So I'm assuming there will be an panel to add ACH information to pay TO the Apple Pay Cash (like the existing option to move it FROM that.)
    1) It will not tie to Apple Pay Cash (APC). Apple has or will be removing the option to tie a credit card (CC) to APC—only a debit card will be allowed. If they allow you to use money within APC to make a payment to your Card, that would be a nice feature since you wouldn't have to input any routing and account data manually -and- you wouldn't have to wait the 1-3 business days for the ACH (the free option) to push monies back to your checking account before you make a payment toward your Card. I'm a bit skeptical of that setup because one is via Discover and the other is Goldman Sachs. While this may all like an Apple-to-Apple payment from the outside, it would involve something more complex setup on the backend which could incur higher costs that might not be feasible for any involved party.

    2) My guess is there will be a Goldman Sachs website, app, and possibly an option in the Wallet app portal for the Card in which to pay off your charges using a bank routing and account number. My reasoning for the 3rd option is because they will be offering all the details on how much you need to pay with the Wallet app portal for the Card to pay down your balance so having you do it via that portal for the card is more streamlined than pushing you out to another app, but that's just speculation on my part.
    Is it hard for you to write Apple instead of making the symbol?
    JWSCchemengin
  • Apple Card: no multi-user support, no penalty rates, foreign transactions, more

    insync88 said:
    I don’t know if it’s just me....But I’ve never been this excited for a credit card before 
    Why? It’s a middle of the road type of card. I can literally beat the rewards with every purchase I make with my other cards. It’s ok for a general card but not the best by any stretch. 
    chemenginwilliamlondonsandor
  • Apple Card offers simplified and secure Goldman Sachs-backed credit card with daily reward...

    welshdog said:
    We have credit freezes on all three credit bureaus. I wonder if this will be a problem when we try to get an Apple Card?
    Of course it will. 
    randominternetperson