ElJeffe
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Apple Card offers simplified and secure Goldman Sachs-backed credit card with daily reward...
larz2112 said:6502 said:larz2112 said:StrangeDays said:6502 said:StrangeDays said:wizard69 said:Soli said:sirlance99 said:hmlongco said:sirlance99 said:Standard isn’t always best when many cards have better rewards than 2%. Also, my standard purchases are extremely low compared to other categories. There’s practically nowhere that I purchase things that I can’t get at least 3% back and up to 5% on most things.
Depends on how one defines "best", doesn't it? The Amazon Prime Store Card, for example, gives you 5% back... with a 28.24% annual APR.
Apple committed to a low (albeit unspecified) APR, with no fees, no late charges, and no penalties. Not to mention the not-so-minor fact that you get your rewards back daily as Apple Cash. Not at the end of the month, not when you redeem them. Daily.
Then there's the secure unique randomized card number per transaction. No number or signature to steal on the physical card. No tracking of purchases. No sales of transaction data.
I don't know about you, but there's a ton of value in privacy and security.
Frankly it wouldnt hurt for our educational system teach students why being conservative in your use of money is so important.
Bingo! The elitist and judgemental comments being posted, i.e. "Maybe you shouldn't buy what you can't afford then" is sad and only serves to illustrate how out of touch and/or ignorant some people can be.I agree that for several decades the middle class has been eroding, and as a result many more people are living paycheck to paycheck. I am fairly certain that the majority of Apple Insider readers, including 6502, Wizard69, and sirlance99, do not have to struggle with living paycheck to paycheck.Because of this, they probably don't understand how difficult it can be for those living paycheck to paycheck to avoid using a credit card to pay for major, unexpected expenses such as car repairs, emergency dental work, replacing a major appliance that suddenly died, etc. And since they are living paycheck to paycheck, they can't just pay off the credit card balance in 30 days. Instead, it takes them months to pay it off, all the while paying interest, and all the while praying that another major, unexpected expense does not occur before they can pay off their credit card balance. Unfortunately for some, another significant unexpected expense occurs and pushes them deeper into credit card debt.So yeah, for those people no annual fee and a low APR matters a lot. -
Apple announces Apple TV+ service with Apple's unique programming, coming this Fall
LOL you have to love the trolly behavior every Apple Event brings out. Meh nothing new to see here. Move along. Instead of continuing to mosey along through life however, the troll behavior requires them to stand and comment negatively to all those reveling in the new shiny amaze. AppleCard, Meh. AppleTV+, Meh, AppleArcade, Meh, Life is so bland to the troll that anything shiny and being enjoyed by someone else is cause for trollery and word vomiting on the shiny thing to kill the joy of others. You go Troll. You WIN!
I loved the concept of purchasing individual channels. Having the opportunity to buy exactly what I want may allow me to finally cord cut. -
Apple Card offers simplified and secure Goldman Sachs-backed credit card with daily reward...
6502 said:ElJeffe said:6502 said:ElJeffe said:6502 said:ElJeffe said:6502 said:ElJeffe said:Apple the most disruptive corporate force in entrenched business practices. They shook the Computer Industry to its core and changed the way people interacted with computers. They did this by changing the basic philosophy and premise of computing. They personalized it. Game Changer. They did it with music, how it was distributed, how it was carried, how it was consumed. Game Changer. Now they are bring that same disruptive force to the financial industry. Credit Cards have been pretty pedestrian for decades. They have been entirely industry (financial industry driven) as a result the ways they have tried to interact with their consumers have been more and more driven by their self interest with little concern for the consumer experience. AppleCard... Game Changer.
Does it break the mold for rewards? Nope. Does it break the mold for cost? Nope. Does it break the mold for all things reward driven Credit Card? Nope. It just thinks different and delivers a better consumer experience in delivering it. Apple just Apple-ized Consumer Credit. 10 years from now we will all look back and say "of course making it easier for Credit Approval should be this easy. Of course all of the things that AppleCard just delivered to consumer finance should have been implemented." Except Chase, Bank of America, Well Fargo, and a myriad of other Financial Industry Titans could have done it but didn't. They had to have the foundation of their business model moved beneath them by Apple.
Troll away with, how "Meh, my card does all that already. Big Deal! Why are Apple fanbois such tewls?", indifference. DOS command line users used to LOVE how easy it was to do things too. Now we all just do things differently. We all just do things differently, more intuitively, and simply, since Apple decided to innovate the processes.
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Apple Card offers simplified and secure Goldman Sachs-backed credit card with daily reward...
6502 said:ElJeffe said:6502 said:ElJeffe said:6502 said:ElJeffe said:Apple the most disruptive corporate force in entrenched business practices. They shook the Computer Industry to its core and changed the way people interacted with computers. They did this by changing the basic philosophy and premise of computing. They personalized it. Game Changer. They did it with music, how it was distributed, how it was carried, how it was consumed. Game Changer. Now they are bring that same disruptive force to the financial industry. Credit Cards have been pretty pedestrian for decades. They have been entirely industry (financial industry driven) as a result the ways they have tried to interact with their consumers have been more and more driven by their self interest with little concern for the consumer experience. AppleCard... Game Changer.
Does it break the mold for rewards? Nope. Does it break the mold for cost? Nope. Does it break the mold for all things reward driven Credit Card? Nope. It just thinks different and delivers a better consumer experience in delivering it. Apple just Apple-ized Consumer Credit. 10 years from now we will all look back and say "of course making it easier for Credit Approval should be this easy. Of course all of the things that AppleCard just delivered to consumer finance should have been implemented." Except Chase, Bank of America, Well Fargo, and a myriad of other Financial Industry Titans could have done it but didn't. They had to have the foundation of their business model moved beneath them by Apple.
Troll away with, how "Meh, my card does all that already. Big Deal! Why are Apple fanbois such tewls?", indifference. DOS command line users used to LOVE how easy it was to do things too. Now we all just do things differently. We all just do things differently, more intuitively, and simply, since Apple decided to innovate the processes. -
Apple Card offers simplified and secure Goldman Sachs-backed credit card with daily reward...
6502 said:ElJeffe said:6502 said:ElJeffe said:Apple the most disruptive corporate force in entrenched business practices. They shook the Computer Industry to its core and changed the way people interacted with computers. They did this by changing the basic philosophy and premise of computing. They personalized it. Game Changer. They did it with music, how it was distributed, how it was carried, how it was consumed. Game Changer. Now they are bring that same disruptive force to the financial industry. Credit Cards have been pretty pedestrian for decades. They have been entirely industry (financial industry driven) as a result the ways they have tried to interact with their consumers have been more and more driven by their self interest with little concern for the consumer experience. AppleCard... Game Changer.
Does it break the mold for rewards? Nope. Does it break the mold for cost? Nope. Does it break the mold for all things reward driven Credit Card? Nope. It just thinks different and delivers a better consumer experience in delivering it. Apple just Apple-ized Consumer Credit. 10 years from now we will all look back and say "of course making it easier for Credit Approval should be this easy. Of course all of the things that AppleCard just delivered to consumer finance should have been implemented." Except Chase, Bank of America, Well Fargo, and a myriad of other Financial Industry Titans could have done it but didn't. They had to have the foundation of their business model moved beneath them by Apple.
Troll away with, how "Meh, my card does all that already. Big Deal! Why are Apple fanbois such tewls?", indifference. DOS command line users used to LOVE how easy it was to do things too. Now we all just do things differently. We all just do things differently, more intuitively, and simply, since Apple decided to innovate the processes.