sportyguy209

volcan said:

Eric_WVGG said:

The biggest drawback to switching, in my experience, has nothing to do with features or performance or cost, but everything to do with familiarity. Artists don't like to retrain themselves to use different tools. I know countless graphic designers and artists who simply can't handle the mental hurdle of retraining all their keyboard shortcuts. It's a miracle that the industry managed the switch from Quark Xpress to InDesign…

I don’t think relearning a new interface is a determining factor because Adobe is constantly moving things into different menus, changing the features etc of all their apps.

For me it is ubiquity and compatibility of file formats. We hire freelancers and do a lot of collaboration. For that to work we all need to be on the same platform.

There are a few things that caused the mass migration from Quark. One, unlike inDesign Quark did not have drop shadows, did not support Photoshop files, you had to be connected to the internet every time you launch it to check your serial number it didn’t support drag and drop from the Finder and Adobe was giving inDesign away for free to anyone with a license to Pagemaker.  inDesign had much better PDF export workflow capabilities. Given all that along with other outstanding features made it a no brainer to switch.

Reminds me of the good times when Steve Ballmer (Microsoft) said about the iPhone, "There's no chance that the iPhone is going to get any significant market share. No chance."

Perhaps, HSBC doesn't believe (praying) that the gain of billions of dollars will mean anything to Apple or the loss of the same will impact banks like them.

hucom2000 said:

So the 50 billion of (partly/mostly additional) consumer debt is now a thing to brag about?

So are 1.5 billion in excessive interest rates?

No, debt is nothing to brag about whether it be personal or governmental. But, I believe the Apple card is far more transparent than the usual bank issued card. So, I think it could really help out those who aren't as credit card aware as they should be. And, there are no fees which are often hidden by banks. All good!

I agree with the commentary that there are a lot of nice features about the card and I can't wait to get mine, but I have the same disappointments. For example, my wife is from Mexico, so she doesn't have credit yet (she is legal). Unfortunately, at this point, she can't use my credit/card. And, I'm disappointed that I can get $500 for signing up with a bank card but, nothing for Apple's card. I hope that will change. I'm also disappointed with the 3% cash back for Apple purchases. I can do better ordering Apple products by mail order and saving the sales tax.

That said, I found this announcement to be very exciting for the future growth of Apple and am surprised that the traditional financial pundits aren't raving about it. I see this as a huge revenue source for Apple going forward. And, it will force the banks to be more transparent if they want to compete.

This won't be my only credit "card," but I see it as a viable credit option going forward. Now any bets on how long it will be before Samsung copies the concept and comes out with their card. :-)

georgie01 said:

Interesting how people are criticising it before even really seeing it, let alone actually using it...

On a serious note, it’s really nice to see a company offer software with a one time purchase. Like how it should be. Even if it is rather expensive.

Encouraging subscriptions is something I feel that Apple has gotten terribly wrong. Take it to the next step and we’ll be buying subscriptions to keep using our iPhones and Macs and TVs by holding the software that runs them hostage to a subscription charge. Doing that with apps is barely any different, considering we rely on apps to make our hardware useful.