emoeller

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emoeller
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  • How to find your Apple Card number to buy something online

    Can you have one fixed one and one ephemeral?

    Or when you generate one, is that the only one temporarily tied to the account?

    For example, you might use the fixed one on Amazon, but any other purchases online gets a temp.
    You can NOT have two numbers - ever.   Only a single number is assigned to your account, but this can be changed if the card is lost or compromised.  Unlike other cards, you can do this from Apple Wallet directly yourself - or, as is the case with other cards, the card company can change it on their end if they suspect problems and it will show up in Wallet along with their notification.
    watto_cobra
  • Unboxing and activating Apple's titanium Apple Card

    The entire process was a breeze.  I've already made some charges and received cash back.  I've set up autopay to pay off the balance each month so I won't incur any interest charges.  

    Some things that are missing now, but I'm sure are on Apple's radar screen:

    1)  Bill pay
    2)  Allow sharing of data to Mint, Quicken, etc.   There is a way to export PDF reports, but this is not seamless
    3)  Cross integration with iTunes accounts - why can't I simply use Apple Pay there?
    4)  Cash advances (such as when traveling).   AMEX based their early business model on this and decades ago I never carried cash when traveling - only received local currency cash advances at an AMEX office in amounts I would spend in country.

    There is no other credit card that I am aware of that combines all of the features now available in Apple Card.  But the items above are available in some other cards and they would be useful for Apple to adopt.


    applesnorangeswatto_cobra
  • Goldman Sachs spends $350 for every Apple Card signup

    emoeller 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?
    There is none (being serious). 
    This is only the third credit card I have ever had (the other two are AMEX and Visa).  Here are the reasons I chose to sign up:

    1)  Extremely secure.  There is no fixed card number, and if the physical card is used and a card skimmer or waiter steals your card number and pin, a number can be created instantly.  So there is no interruption in use of the card.

    2)  No Tracking.   You are not identified by the retailer by name or by card number.  They only receive meta-data, they cannot track you (unless you want them to by signing up for some "deal" in which you have control over what information you give them)

    3)  Having instant info on spending is very handy, and provides for instant recognition if charges are incorrect, thus allowing for immediate corrections.

    4)  Reasonable interest rate (mine was a high limit with a 12.99% interest rate).   Not a big deal of me as I pay off my balance every month.

    5)  Complete control over payments.  I simply set mine up to auto pay from my bank at the end of each month.   I don't incur any interest charges and I'm sent notifications well in advance so I can balance my bank statements.

    6)  Very detailed (and very Apple designed) infographics on spending by category and retailer.   Also the info on the retailer is in plain english with business name, address, map, and contact info.  Very handy for looking back at what I purchased and from whom.

    7)  There are no fees, and no late fees, or currency fees.

    8)  Ties to my Apple Cash account, and of course there is the instant cash back features

    9)  So far so good, I've made a couple of transactions and set up auto pay.  I will evaluate how this works for me (about 65% of all retailers in the US now accept Apple Pay/Card) to see if this is something I want to use long term.  But I know from experience that Apple Pay works extremely well and fast at checkout, especially using my Watch, so all of my Apple Pay will be done using this card going forward.

    10)  Longer term I can see using this card (or something like it) to manage all of my payments (retail purchases, mortgage, other credit card balances (not available now), utilizes etc, etc) from a single source while I am mobile.
    1. Nearly all credit cards available today with EMV (chip) are equally as secure (data is encrypted when inserting your chip). Also, many people link their cards to Apple Pay and pay via NFC, which is also equally as secure. The instant number creation is not related to stolen Apple Cards. It is used for making purchases online. If your Apple Card is stolen, you must report it, freeze it, and request a new one. 

    2. See above. Encrypted meta-data during payment is the norm already.

    3. Nearly all credits cards today post your pending purchase in your account immediately, with the charged amount. Immediate corrections are not necessary (credit card payments are not due for a minimum of 30 days after payment. Reversal of fraudulent charges can typically be handled in that time frame).

    4. Not a big deal for those who pay off in full each month.

    5. Nearly every card today allows for auto pay and has notification settings.

    6. Mint.com allows you to see your spending by category/retailer on ALL of your credit cards at one time. This is a significant advantage over the Apple Card because people are interested in their total spend, not just their spend on one individual card. Apple Card will NOT be able to be linked to any budgeting app (Mint, Quicken, etc) - a massive deal breaker.

    7. An infinite number of credit cards are available today with no fees. 

    8. 1-3% cash back today or in 30 days is not significant.

    9. Most cards available today can be added to Apple Pay.

    In short, there is no added draw whatsoever.

    Please show me a single card that combines all of these features
    Soli
  • Goldman Sachs spends $350 for every Apple Card signup

    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?
    There is none (being serious). 
    This is only the third credit card I have ever had (the other two are AMEX and Visa).  Here are the reasons I chose to sign up:

    1)  Extremely secure.  There is no fixed card number, and if the physical card is used and a card skimmer or waiter steals your card number and pin, a number can be created instantly.  So there is no interruption in use of the card.

    2)  No Tracking.   You are not identified by the retailer by name or by card number.  They only receive meta-data, they cannot track you (unless you want them to by signing up for some "deal" in which you have control over what information you give them)

    3)  Having instant info on spending is very handy, and provides for instant recognition if charges are incorrect, thus allowing for immediate corrections.

    4)  Reasonable interest rate (mine was a high limit with a 12.99% interest rate).   Not a big deal of me as I pay off my balance every month.

    5)  Complete control over payments.  I simply set mine up to auto pay from my bank at the end of each month.   I don't incur any interest charges and I'm sent notifications well in advance so I can balance my bank statements.

    6)  Very detailed (and very Apple designed) infographics on spending by category and retailer.   Also the info on the retailer is in plain english with business name, address, map, and contact info.  Very handy for looking back at what I purchased and from whom.

    7)  There are no fees, and no late fees, or currency fees.

    8)  Ties to my Apple Cash account, and of course there is the instant cash back features

    9)  So far so good, I've made a couple of transactions and set up auto pay.  I will evaluate how this works for me (about 65% of all retailers in the US now accept Apple Pay/Card) to see if this is something I want to use long term.  But I know from experience that Apple Pay works extremely well and fast at checkout, especially using my Watch, so all of my Apple Pay will be done using this card going forward.

    10)  Longer term I can see using this card (or something like it) to manage all of my payments (retail purchases, mortgage, other credit card balances (not available now), utilizes etc, etc) from a single source while I am mobile.



    doctwelverandominternetpersonrob bonnerlolliverviclauyycdysamoriaJWSCaustinbaze
  • Here are all the big changes to Apple Maps from 2017 through 2019

    I go to Burning Man every year and last year I tried to use Apple's maps.   There was nothing for Gerlach, NV the roads all ended!  I just checked on my iMac and Gerlach is now shown, but zoom out a little bit and look to the east and virtually all info disappears.   It is like this for large swaths of Nevada, the state I grew up in and where I frequently visit and camp.    If one is driving off the major highways and using CarPlay it is simply a blank map.
    chemengin1