neverindoubt

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neverindoubt
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  • Apple's new Apple Card & Goldman Sachs statement doesn't clarify things at all

    neverindoubtneverindoubt
    sflagel said:
    sbdude said:
    The only reason I got the card was the attractive no-interest financing on Apple products. And even that has become less attractive as Apple/GS only give one year (one!) to pay off a mac, and two years to pay off an iphone (because that makes sense).

    As far as transitioning banks, no, you won't have to "reapply" for a new card. When Costco dumped Amex for Citi, I did not have to reapply, and all balances, credit limits, etc. carried over without issue. Yes, it will show as a closed account and, if it was your card with the most longevity, it would affect your score. Given how new the apple card is, I doubt it establishes a majority of users' credit histories or is their "lengthiest" card.
    Why is the credit score so important? You really only need good credit once: when you want to get a mortgage. Surely, mortgage lenders look at income vs expenses, savings, outstanding loans, and value to mortgage ratio more closely than they look at a credit score.
    Nope. Credit score matters any time you apply for credit. Mortgages, car loan/lease, credit cards, home equity loan, etc. Within pretty broad ranges the outcomes are similar, but people with low credit scores are very limited in what they can get, vs people with high scores.
    williamlondon

  • Boy petitions Apple to change 'nerd face' emoji

    neverindoubtneverindoubt
    mikethemartian said:
    avidthinker said:
    I was bespectacled from fourth grade until my late twenties.  One word, little chap: LASIK.  It will change your life, you're welcome.
    I looked into that once but the doctor told me that even though I wouldn’t need glasses to see things far away that I wouldn’t be able to see things up close without reading glasses.
    You must be old (45? 50?). The downside of age is your lenses stiffen and the muscles that control them weaken and LASIK comes with those trade offs. Not an issue for the young. Get LASIK while you're still young kids!
    watto_cobra

  • Apple's new Apple Card & Goldman Sachs statement doesn't clarify things at all

    neverindoubtneverindoubt
    Kierkegaarden said:
    For me, the attraction is the app experience.  I will say that the AmEx app experience is a close second.  I don’t see why Apple would make any demands around payment dates, late fees, etc. — the integration into Wallet, Daily Cash, and 2%/3% using Apple Pay is plenty.  I would like to see built in insurance/buyer protection.  Charge an annual fee if you have to.
    I'd be surprised if they started any fees, particularly since their basic marketing has been "No fees." since the beginning.
    The current value proposition of  Apple integration, no annual fee, no international transaction fee, 1/2/3% cash back is pretty competitive in the US for a cash back card. Adding an annual fee would put it into competition with lots of cards that have better features for a lot of people.

    byronl

  • Canadian broadcasters want government to make Apple pay for news

    neverindoubtneverindoubt
    “ That won't happen, though, as both Facebook and Google have shutteredtheir news services rather than pay anything they owe.”

     Facebook has in Canada, but Google has not, yet.
    watto_cobra

  • Apple opens up Back to School offers to university students

    neverindoubtneverindoubt
    Doesn’t this seem crazy late?

     Unless you’re at a quarter system school you probably started about a week ago.
    watto_cobraalexsaunders790