robjn

iOS_Guy80 said:

Surprised employees are being charged .49. They were given first crack at testing the Apple Card for nothing. 

With Arcade they have to test the payment system for the subscription. They also had to test the free trial period and that the app and backend work correctly when the trial period ends.

Apple Card does have any fees.

Whilst Apple currently uses Samsung as the primary  manufacturer, the OLED panels that go into iPhones are 100% designed by Apple (with use of some Samsung patents on pentile pixel arrangement).

The panels use whatever materials Apple specify.

Even if some input materials are shared with Samsung’s own products, the finished panels are different and unique to Apple.

rob bonner said:

Not trying to be negative on this, really asking.  Why would anyone want this card?  The rate is pretty high, the integrations are interesting but don't really add that much value IMO, and I can use Apple Pay with my existing card.  What is the draw?

1) Security. For example, if I lose the physical card I can freeze it with one tap on my phone. I can also get a new card number with one tap if I think I need to.

2) The UI in Wallet makes it very easy to track and monitor activity without logging into some website. I see ALL the activity on the account one place. This is not the case with other Apple Pay cards, for example if I pay with my Wells Fargo card on Apple Watch the transaction does not show up in Wallet on iPhone. The color-coded categories are nice and so is the Apple Maps integration.

3) My Wells Fargo Cash Wise card gives back 1.5%. So the Apple Card is better (2%) when you can use Apple Pay. That’s not bad.

4) It’s very easy to make payments from your bank to the card, no logging into websites. All secured with FaceID.

5) Don’t you hate having to call companies by phone? You end up being on the phone for ages, being told to push certain numbers and listen to annoying music whilst you wait. Apple Card integrates iMessage Business Chat, which I much prefer.

Hayito said:

got approved for 50K and 12.99 APR, Physical card on its way...

Wow!
With a squeaky clean credit rating of 780 and income over 100K, I got the top interest rate of 23.99% and 8K limit.

When I set it up, the pre-entered address was outdated and I had to correct it, I’m also a Permanent Resident as opposed to a Citizen, after clicking “no” to “are you a US citizen?” I then had to photograph both sides of my driving license.

They are giving people with almost perfect credit the highest possible interest rate - they obviously don’t have this approval process working quite right!

Also, I’ve updated Apple Watch to the latest version and the option to add Apple Card from iPhone to Apple Watch appears in the Watch app settings. However, it’s not working! I’m unable to successfully add it to Apple Watch right now.

Good editorial.

It interesting to me that iPhone revenue is down 12% with a lineup that has the XR as the most popular device vs last year when the X was most popular.

I think it’s safe to assume that the ASP has dropped a lot. If so, iPhone UNIT sales might not be down anywhere near 12%.