Sure it was incorrect. That was the intent. It was incorrect on purpose.He knew how to interpret your post. Your use of the word was still incorrect.
Sure it was incorrect. That was the intent. It was incorrect on purpose.He knew how to interpret your post. Your use of the word was still incorrect.
https://www.apple.com/shop/browse/financing
Apple has had an arrangement with Barclay for a long time. I don't know if it actually says Apple on the card itself though.
This is odd...Goldman Sachs, at least in the US, doesn't have a large credit card business. That's a lot of overhead to create, unless Apple is taking that on.
2% cash back on most purchases is good.
However....how do all the other benefits match up? My Citi 2-year extended warranty has been money for me.
Anyone recommend a good cash back card that has 2% or more on all purchases? I have excellent credit.
Goldman Sach's has terrible optics - at least in the U.S. (they were actively playing both sides of the field knowingly helping to drive the U.S. housing market over the cliff and betting to profit off the crash, 5crew the country, that caused the financial crisis back in 2008 or so). When it comes to taking care of the customer or not doing something illegal - history has shown they actively choose the 3rd option which is do what makes the most money if they think they can get away with it (if that includes actively misguiding customers so be it).
http://fortune.com/2016/04/11/goldman-sachs-doj-settlement/
Having Apple team with them is very disappointing - its almost like having Apple partner with the mob on a credit card - especially since Goldman is not a normal bank and doesn't normally do credit cards (that I know of). There must be something special in it for Goldman, for them to be doing this....I'd much rather have Apple stick with Barclay.
I have to wonder whether by 'spending goals' they mean 'spend at least £X,000 per month in credit' (preferably on Apple products and services) gotta close those rings![]()
I just remembered that they also acquired a credit card startup last year:Good catch, “Marcus” is their pilot program and test vehicle for devs working on the new services platform.
If it truly offers 2%CB plus a little extra for Apple purchases, I'd switch over from my Citi DoubleCash as my primary card in a heart beat. Let's hope Apple can get us that good of a deal.
I've been eyeing Goldman Sach's online savings account (Marcus) anyway. Who knows, they might make me a full fledged GS customer. I assume that would be the goal for GS.
Now all they need in the mix is a high-interest or rewards checking account with check deposit and bill pay.
Well it makes sense that they would get into the credit card business given that you'll need to borrow all the money you can get your hands on to afford the latest iPhone/device these days...!
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PenFed Power Cash Rewards Visa: 2% cash back, no foreign transaction feesAnyone recommend a good cash back card that has 2% or more on all purchases? I have excellent credit.
How about expanding Pay Cash to countries other than the US?
Wrong, wrong, wrong.
Innovation can differentiate You, neither hw nor ‚service‘. Service is copyable much easier than hw.
We need some good hw companies too, it’s a thinking failure to expect every company a service company.
Apple was never good at Services, and will not be, probably. They were great in integrating hardware in an inferior service structure - but they left that track. Now they are just inferior in everything except airPods, which are mainly hw.
These businesses don't really have high margins, I wonder how Apple expects to have higher margins and offer an attractive business proposition.
And Goldman Sachs is not really an expert partner. They are an investment bank not a retail bank (and shouldn't ever be allowed to be both but that is another issue...).
This is odd...Goldman Sachs, at least in the US, doesn't have a large credit card business. That's a lot of overhead to create, unless Apple is taking that on.
2% cash back on most purchases is good.
However....how do all the other benefits match up? My Citi 2-year extended warranty has been money for me.
As tempting as cash back is, if you do any bit of traveling the points offered by hotel cards, airline cards, or the high annual fee cards trump the 2% CB by a large margin.
Money is in services. All the big companies are making money in services.
Apple is the oddball out making their billions on hardware, but signs point to that not lasting. Hardware can become a mass produced race to the bottom commodity when you can't differentiate yourself from the competition.
Yeah the decision to go with Goldman left me scratching my head. Apple is supposed to be about artists and professionals, Goldman just seems contrary to their mission. I would have liked to see them partner up with American Express or Capital One. I might've gotten the card if that was the case.Goldman Sachs? Of all the companies to partner with. Goldman Sachs.
/walks away slowly shaking head in disappointment
Goldman Sachs is a literal hot garbage organization.