elector

lowededwookie said:

Herein lies my problem. I only have an iPhone 6 Plus which can't upgrade to iOS 13. I have an iPad but an Apple Watch can't connect to that. This is a MAJOR pain because I can't afford a new iPhone.

weyland_jon said:

There’s another problem with my local ExxonMobile pumps:  Apple Pay using Apple Card is not accepted, even though Apple Pay works just fine with Amex and another MasterCard. Pump seems to think there’s a debit card behind the Apple Pay. The Apple Card is also not accepted when inserted directly into the pump. 

AppleExposed said:

chemengin1 said:

Soli said:

chemengin1 said:

@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.

1) I love these 2% from Apple is less than 2% from anywhere else comments. There's even an argument to made that Apple's 2% is actually higher in terms of value for Apple Pay-based payments because you get paid out daily, unlike the Citi card you mentioned that won't even pay you the other half until after you've paid off your card. That means for the same purchases in a given money using Apple Pay the Apple Card will cost consumers fewer funds to be transferred from their account to pay off their balance. But I'm not even trying to get into that minutia—I'm only looking at 1:1 ratios of percentage points and wondering how you people  can say that you get better than 2% for Apple Pay transactions and then post 2% cards.

2) What's this? You shop at different places because they offer different benefits? You also use an Amazon card at Amazon because you can get 5% back which is better than using any of the 2% cards you mentioned in your first paragraph? Funny how that works, and yet you completely ignored how different card can have different benefits when it comes t the Apple Card. As for buying at Apple, I don't use an iPad but I do buy a new MBPs with a student/teacher discount every year, but I also buy plenty of other things from Apple that are not offered elsewhere which is why I currently have their Barclay's card for 3% back. It's good enough for such purchases but it comes as an Apple Store gift card when I'd rather pay down the balance, hence the Apple Card will be a better option when buying certain items directly from Apple.

3) You haven't have valid facts. You've literally stated that 2% from anyone that isn't Apple exceed 2% from Apple. if you people don't see a need for an Apple Card then simply don't get one, but to claim as fact that no one will benefit from it, or make claims about how you have the perfect number of credit cards as proof that no one can benefit from it is insnane. The fact is this card will bring attention to Apple Pay and help usher in even more awareness of a more secure method for using credit and debit card that even you'll benefit from regardless of how you feel about Apple or Morgan Stanley.

1. Are you purposely being obtuse? The net effect of 2% on ALL purchases (Apple Pay AND NON Apple Pay purchases) with any of the 3 cards I listed is of greater value than the Apple card. No one is saying another card gives you better than 2% on Apple Pay purchases only. We are saying there are cards that offer 2% on literally every purchase you make. And, the difference that it makes whether you get your 2% today or in 30 days is negligible.

2. You prove my point. There are many cards for different categories, all of which are better than the Apple card. As an example, there are cards that offer 5% on Amazon, 5% on gas purchases, 6% on grocery stores, etc. 

3. Work on reading comprehension. 2% on EVERY purchase is net greater than 2% on only Apple Pay purchases. 

No our reading comprehension is fine. It's just funny watching the doomers moving the goalposts everywhere.

Look I can do it too:
Only Apple Card offers 3% cash back on Apple products!!!!!!!
Only AppleCard integrates with iPhone and gives us the cool app!!
Only AppleCard shows me real business names amd locations instead of cryptic names from unknown locations!!!

Truth is, many people trust ApplePay and prefer it to anything else. Apple Card also offers 1% on everything else which isn't too shabby considering you also get the cool app and security.

jdb8167 said:

ssalb said:

Received my Apple Card invite and was accepted this past Friday. As others have mentioned the whole process was very simple and it only took about two minutes to submit the request and get accepted. Received a decent credit limit. Today I wanted to setup my payment info. I had hoped this would be as simple, by just linking my payment to a debit card also stored in my wallet. After chatting with an Apple Card Rep, that is not possible at this time. You have to enter your Bank's routing and account number. Think Apple would have thought of that. I can understand not being able to pay the balance on the AppleCard with another credit card, but this is a debit card linked to my checking account.

If you have an Apple Cash account linked to a bank already, it asks if you want to use that bank info. Very quick.

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.