Apple Card App Expected on iPad, Barclaycard Visa No Longer Offers Apple Rewards

Discussion in 'MacRumors.com News Discussion' started by MacRumors, Aug 2, 2019.

  1. MacRumors macrumors bot

    MacRumors

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    Apple is set to launch its own credit card this month, and ahead of time, Bloomberg's Mark Gurman and Jennifer Surane have revealed a few more details.

    [​IMG]

    The report claims that the iPad will have a dedicated app for signing up for and managing the Apple Card, as confirmed by hidden iOS 12.4 references uncovered by developer Steve Moser. This is because the Wallet app, where the Apple Card will usually be found, is limited to the iPhone and iPod touch.

    Meanwhile, in new terms disclosed this week, the report adds that Apple Card holders will be offered standalone financing plans for select purchases, in addition to the ability to carry a revolving balance. This could possibly allow users to make a large purchase and pay it off over a set period of time for a fixed monthly fee.

    Last, the report notes that the Barclaycard Visa no longer offers Apple rewards, such as $50 worth of Apple Store or iTunes gift cards to new customers and three points per dollar spent on Apple products. The card remains available for now with special financing rates for qualifying Apple purchases.

    Apple CEO Tim Cook confirmed the Apple Card will launch in August in the United States, but he did not provide a specific date. In a previous report, Gurman said the Apple Card will be available as early as the first half of the month.

    Article Link: Apple Card App Expected on iPad, Barclaycard Visa No Longer Offers Apple Rewards
     
  2. WiiDSmoker, Aug 2, 2019
    Last edited: Aug 2, 2019

    WiiDSmoker macrumors 65816

    WiiDSmoker

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    Can’t call yourself an Apple fan if you don’t get an Apple Card to buy an Apple Watch, Apple iPhone, Apple MacBook, Apple Mac Pro, Apple iPad, Apple Pencil, and Apple Music.
     
  3. s54 macrumors 6502

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  4. ipponrg macrumors 68000

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    #4
    Capitalizing on consumer financial idiocy is what this credit card is boasting about.
     
  5. newyorksole macrumors 68040

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    #5
    Ahhh so there will be special financing on select purchases. Very interesting.

    I wonder how the iPad app will look. Probably much nicer on a larger screen.

    They need to just launch it already! Lol
    --- Post Merged, Aug 2, 2019 ---
    Yeah I’d say every company’s goal is to capitalize on a consumer’s wants, needs or idiocy. Apple isn’t doing anything out of the ordinary. Relax.
     
  6. Optheduim macrumors regular

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  7. ipponrg macrumors 68000

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    #7
    It would be pretty funny if the fixed monthly cost was higher than the interest rate of a personal loan
     
  8. michael31986 macrumors 68040

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    I have a barcleys now and I have points. Will they let us redeem what we have left?
     
  9. vertical smile macrumors 68040

    vertical smile

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    #9
    That is good.

    The deferred financing option was the main reason for me getting the card years ago, long before they offered rewards with it.

    I hope that doesn't get removed.
     
  10. henrod macrumors newbie

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    #10
    Yes! I just read this and went and logged into my Barclay account. It still shows rewards accruing and says nothing about the program ending. Argh.
     
  11. FaustsHausUK macrumors regular

    FaustsHausUK

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    #11
    As with many other things, accruing high interest debt for luxury purchases is also not an Apple invention.
     
  12. iapplelove macrumors 601

    iapplelove

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    #12
    How bout just staying away from debt, don’t use credit cards save money and pay cash?

    Cue the “well you need a high credit score” in 3 2 1...
     
  13. Phone Junky macrumors 65816

    Phone Junky

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    #13
    Using cash doesn't make sense when you can:
    1. Save the money for your purchase.
    2. Use a credit card to make the purchase.
    3. Pay off credit card on next statement therefore no interest.
    4. Acquire cash back from the credit card for your purchase.
     
  14. H3LL5P4WN macrumors 68020

    H3LL5P4WN

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    #14
    My app still infers that I get points, as I have a balance and a goal before my next gift card. This really stinks though, I liked having a month of iCloud and Apple Music for free every now and then.
     
  15. Jsameds macrumors 68040

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    #15
    Using a credit card isn't financial idiocy. In fact it's more sensible than using a debit card.
     
  16. now i see it macrumors 68040

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    #16
    credit cards are so interesting.
    So glad  got into the consumer debt business
     
  17. iapplelove macrumors 601

    iapplelove

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    #17
    lol using cash doesn’t make sense. That’s a good one.
    1. Most people (the majority) don’t save worth a damn.
    2. Pay off credit card every month ? Well things happen. Care break down, people lose their job etc. So that’s really not the best financial advice no offense.
    3. Cash back deals? What other scams do you fall for?
     
  18. Falhófnir macrumors 68040

    Falhófnir

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    #18
    This scenario does make sense (particularly where you're also covered buying online more-so than using a debit) but I think what @iapplelove was talking about was those who use cards like this to finance luxury items when they don't have the money in the bank to pay it back at the end of the month. Their finances, their choice, of course, but it seems way too easy to get into financial difficulty using CCs.
     
  19. ksgant macrumors 6502a

    ksgant

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    #19
    I want one just to get the cool titanium card. I doubt seriously if it will be used.
     
  20. cardfan macrumors 68000

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    I seldom buy direct from Apple because retailers offer discounts plus a better cc reward %. Even iTunes is basically loading a gift card at 20% off.
     
  21. Imdougurnot macrumors member

    Imdougurnot

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    #21
    It’s not totally about a credit score. Using credit cards responsibly is incredibly rewarding. I’ve had many a free vacation by using accumulated points and miles.
     
  22. iapplelove, Aug 2, 2019
    Last edited: Aug 2, 2019

    iapplelove macrumors 601

    iapplelove

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    #22
    Everyone says they pay their statement off each month. But none hardly do. Not to mention what do you do when hardship strikes ?

    It’s just not the best practices to use CCs and say well I’m just going to pay them off each month.

    Wants vs needs... if you don’t have the cash in the bank well then you can’t afford it. Minus a mortgage of course
    --- Post Merged, Aug 2, 2019 ---
    My point is very few use CCs responsibility. Very few. And even the few can run into troubles now and again. Not the best financial advice imo
     
  23. VulchR macrumors 68020

    VulchR

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    #23
    I must admit I am intrigued, but no matter how flashy the app and physical card are, I won't bite unless the terms are good.
     
  24. Marco Klobas macrumors regular

    Marco Klobas

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    #24
    Well, considering that it's a credit card it should be: shut up and give your money!
     
  25. mattopotamus macrumors G5

    mattopotamus

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    #25
    Sounds like “plan it” offered by Amex. A much cheaper way to carry a balance in an emergency. You do not pay interest, but a flat (small) fee. For example, to carry a $1,000 balance they may charge you $5 each month.
     

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