macgui

He just needs his firmware rebooted.

I remember those days. Lots of fun. I don't miss them, but I do feel a little nostalgia.

GeorgeBMac said:

macgui said:

GeorgeBMac said:

Or, for myself, since I don't want to link my bank account, I'll transfer money to AppleCash using my bank's debit card and use that to pay the bill.

Not possible, as far as I could tell. I would rather not let G-S dip into my bank account, but I believe a bank must be linked to the card in order to pay it. I put money from my debit card into Apple Cash but when I pressed Pay Now I got 'Transaction Not Completed' every time. Some website showed that linked to a bank, you then have the option of paying from Apple Cash by pushing a button. So I it looks like I'll have to live with G-S's mitts (I won't schedule a payment; zero balance as always) or link the card, pay the balance, and drop the card.

Umm, I was told by Apple Support that using AppleCash would work -- but it was clear that he was a rookie and using logic that "it should work" rather than explicit knowledge of the matter.  But, from all I have seen, it seems to me that it should work too.

I wonder if the problem was that the money you transferred to AppleCash had not physically cleared yet?   Perhaps it might work if you gave it couple days to clear?

I think I will run a test with a small preliminary payment rather than wait till the end of the month when the full bill is due.

THANKS FOR THE HEADS UP!

It's been several days since I first transferred the money into my Apple Cash and as of today the transaction still won't complete. Apple Cash can be used but there first has to be some link to G-S for it to get the payment.


https://www.macrumors.com/how-to/use-apple-cash-to-pay-off-apple-card/

I'm guessing that once a link to your bank is established, linking your Apple Cash with the button shown pulls all the money from Apple Cash then the rest from your bank account until the payment is made.

G-S hasn't offered a physical address which is part and parcel for any other credit cards' payment plans. So I'm assuming this is one of the reasons credit accounts are so easily and quickly activated compared to established card issuers.

We initiate payment and send it to G-S, but they always have some signed blank checks handy, just in case. 

I've sent a test payment of $5 to the G-S address another member posted:

Goldman Sachs Bank USA
Salt Lake City Branch Lockbox 6112
PO BOX 7247
Philadelphia PA 19170-6112posted:

Additionally, when setting that Bill Pay account, and 'Marcus by Goldman-Sachs' was offered as a payee, but with a lightly different address, so I just used the above. It's possible that there might be regional address more appropriate for my location compared to the one offered.

The payment was only $5, so if there's some screwup, I'm not out much. The payment will be sent out today (because of the holiday weekend) so by say– the 10th, if my Apple Cash is debited, I have time to use my Bill Pay for the balance. If it isn't, I have time to link my bank to pay the balance.

The latter is something akin to telling a stranger 'Here, hold my wallet while I...'. I hope your test fares better than my two.

Fatman said:

The article is unclear/ not correct  

The article is perfectly clear and correct. You are stating what the article already said. A lot of people don't understand that Apple Pay and Apple Card are two different things.  The article said 2% for Apple Pay. That means a site that accepts Apple Pay or a store with an NFC reader that accepts Apple Pay. Any other use of the card – swiping the physical card or using the Wallet information for an online purchase that doesn't take Apple Pay gets you 1%. The article is correct.

GeorgeBMac said:

Or, for myself, since I don't want to link my bank account, I'll transfer money to AppleCash using my bank's debit card and use that to pay the bill.

Not possible, as far as I could tell. I would rather not let G-S dip into my bank account, but I believe a bank must be linked to the card in order to pay it. I put money from my debit card into Apple Cash but when I pressed Pay Now I got 'Transaction Not Completed' every time. Some website showed that linked to a bank, you then have the option of paying from Apple Cash by pushing a button. So I it looks like I'll have to live with G-S's mitts (I won't schedule a payment; zero balance as always) or link the card, pay the balance, and drop the card.

stevefromstatefarm said:
I received the physical Apple Card in the mail, but unless the wallet app notifies you that the card has shipped, you cannot activate your physical AppleCard.

I wonder why you'd activated the card before it ships? Once approved, I immediately made the virtual card my primary Apple Pay card and was able to use it. When I got the physical card I activated it and it works fine. But I'd never consider trying to activate it before it actually arrived.

plovell said:

I'm not sure I like the idea of linking Apple Card to my bank account. I would prefer to pay directly FROM my bank, rather than having Goldman Sachs PULL money from my account.

I'm with you 100%, but it looks like that's the only way to pay off the card. There is a slim chance that you can use your bank's Bill Pay to send them a payment. I'm trying that, hoping that it works. Otherwise I'll have to link my bank before the end of the month.

iOS_Guy80 said:
I agree but either way you or your bank are initiating payment from your account by ACH transaction. 

ACH transaction isn't the issue. It's having G-S (or anybody, for that matter) pulling money from your account instead of your bank doling money out as you direct. Linked to your account, is there anything to stop G-S from literally taking money out of your account, akin to a gym debiting your account for their monthly payments?

From the ZDNet link DED referenced:

The president of Mastercard North America, Craig Vosburg, recently explained on CNBC that this product is more secure because users get a one-time use number in the Wallet app. "The real key to the enhanced security here is happening behind the scenes where we're tokenizing the card credentials."
He added, "We're taking the digital representation of that 16-digit number and scrambling [it] into a code that only we and Goldman Sachs can recognize. We know where it's meant to be used. We know it's meant to be used with that Apple device and if it shows up somewhere else, we know it's been compromised and we can kill it."

I've been unclear about this bit and this is the most I've seen mentioned. If this is the case, that means that you don't have to get a phone call or text asking 'Did you do this?' This means that fraud is basically instantly prevented, a great thing for both us and G-S. 

I wonder if any other cards are offering this specific, equivalent, or superior feature. This is much better than the typical 'You're not responsible for... if...' protection.

People who dislike the Apple Card, here and elsewhere, deny it's unique benefits while extolling the virtues of their many cards of preference. Something of a less than objective comparison. So among them I wonder which issuer offers this particular feature.

This is not the one card for everything. No one card is. But for many, there is one card that ticks enough boxes that they don't need Bullwinkle's wallet. Others prefer the 'Pick a card, any card'. 

Whatever works of any given individual is fine by me. But they should at least be honest about why they do what they do.