sirlance99

ashokbharwani 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. 

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.

insync88 said:

I don’t know if it’s just me....But I’ve never been this excited for a credit card before 

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?

Soli said:

shahhet2 said:

Soli said:

What a great event and an amazing card. An Apple card that has been desired for years and yet exceeding all expectations of anything discussed. So, of course, people are complaining about it.

MacPro said:

Soli said:

1) It's about time someone stepped up to offer a financial incentive to using Apple Pay.

2) That card looks great and I'm glad there is no signature on it. I never understood why that was ever a thing, like some minimum wage retail employee can gauge whether my sig was forged or wether I was just lazy in signing.

I've never signed any card in years.  I've been asked for my driver's license three of four times by a few intelligent souls in all that time

I'll definitely get one of these.

I haven't signed cards in countless years unless I've been effectively forced to because someone says they can't accept the card without me first signing it… which I've then signed right in front of them. #Security 

There seems to be an inverse relationship to the cost of the product to the requirement for verifying an identity. Maybe it's because stolen cards are most often used for mundane purchases. ¯\_(ツ)_/¯ 

Explain me why would you take this Apple card which gives  2% only  with Apply Pay and 1% on everything else compared to getting Citi Double Cash or Fidelity rewards which gives 2% flat on everything and then adding it to Apple Wallet for all Apple Pay payments as well?
Those cards are available for many many years.

Let's see...

• 3% back on Apple purchases (which is a considerable annual expense). Does Citi Double Cash or Fidelity offer 3%?
• No foreign transactions fees. Does Citi Double Cash or Fidelity offer no foreign transaction fees?
• No late fees. Does Citi Double Cash or Fidelity offer no late fees?
• No penalty interest rate. Does Citi Double Cash or Fidelity offer no penalty interest rates?
• Daily rewards reimbursement. Does Citi Double Cash or Fidelity offer daily reward reimbursement?
• Dynamic app that shows you purchases and spending habits in a non-cryptic format. Does Citi Double Cash or Fidelity offer machine learning in their (assumed) apps with human readable details that one can completely understand in a glance?
• A titanium card that is laser etched and only contains your name. Does Citi Double Cash or Fidelity offer a collectable physical card?

Last, but certainly not least…

• Potentially lower interest rates. Can you guarantee me that Citi Double Cash or Fidelity will absolutely be lower than the Card?

Bonus reason when other HW makers start offering their own card:

• No purchase tracking through Apple.

Perhaps most important is, why do you keep coming at this binary notion that if you have an Card that you also can't have another card. It's great that we can have a physical card that will offer us 2% back on everything (even if you have to wait until you pay off your bill to get it), but it's also great to have rewards right away, lower fees for those that will incur fees, better accounting to help people be more aware of their spending habits, daily rewards, cards (e.g.: Amazon) that offer 5% back, etc. Are you the kind of person that will only use one type of thing and then say everything else sucks simply because the uses don't suit your specific needs as well as someone else?