This "scam" is going to pay for the majority of Christmas presents I will buy this year for just using credit instead of cash but thanks for your well informed commentary.
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Apple Card App Expected on iPad, Barclaycard Visa No Longer Offers Apple Rewards
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This "scam" is going to pay for the majority of Christmas presents I will buy this year for just using credit instead of cash but thanks for your well informed commentary.
I wasn’t going to jump into the CC vs no CC debate but...
There was recently a scandal in my town involving a bridal shop. The owners took payments from several customers for their wedding dresses, then just up and left. Closed the shop down and never delivered.
Those that paid with credit cards have done chargebacks. Those that paid with cash are currently SOL while they attempt to pursue legal action to get their cash back.
Credit cards aren’t for everyone, but scenarios like this are why I use mine whenever I can.
There was recently a scandal in my town involving a bridal shop. The owners took payments from several customers for their wedding dresses, then just up and left. Closed the shop down and never delivered.
Those that paid with credit cards have done chargebacks. Those that paid with cash are currently SOL while they attempt to pursue legal action to get their cash back.
Credit cards aren’t for everyone, but scenarios like this are why I use mine whenever I can.
Same here. I put every single purchase from a pack of gum to something expensive on credit cards. I've never payed a dime in interest. Getting close to being able to take my third trip to Europe on credit card points. I never spend beyond my means and I have a cash reserve for the hardship scenario.
This so much. I can't believe how few people actually do this. You can quite literally make money by using credit cards.
Apple Pay the future of payments were the days of credit cards is a thing of the past, later... Apple Card so now Apple saying there is a need for cards Apple Pay is not the future
Guess there’s catering for old folks who don’t want to brace card less way of life just yet.
How times change, it was not long ago old people were the ones that use cash, now it’s those that use cards, today’s young use smartphones to pay
Guess there’s catering for old folks who don’t want to brace card less way of life just yet.
How times change, it was not long ago old people were the ones that use cash, now it’s those that use cards, today’s young use smartphones to pay
I expect they’ll have some promotions like 0% financing on select purchases.
I think Apple expects you to realize you can link Apple Card to Apple Pay. Pretty sure that’s how you get the 2% cash back.
It’s easy to pay off your credit cards each month if you have savings. The rewards and security of credit card purchases are worth it, but only if you’re sure you will always be able to pay your full balance each month, which means you must have savings to dip into in case of a problem.
ok so like, when the hell is apple card going to release? lol i mean it's already the first friday of the new month, i would of imagined they wanted to release this card very early this month so people can have the entire month to purchase what they want and time it with the end of the month bills OR they are going to release it at the very end of the month. but like, release the card already lol
Not sure what you mean by boasting, but yeah if you’re financially irresponsible, the last thing you probably need is another credit card.
I hope so. That does make sense. AppleCash needs a real financial institution to hold the money. Goldman Sach’s can fill that role in ever market they’re in.
I saw it on Bloomberg, which is a very reputable news feed. I think the key here is the rewards have changed for new cardholders. I am assuming Barclays will discontinue for existing cardholders, but notice has not been sent out yet.
The only reason I have the Barclay card is for the Apple Rewards. So now that just ends, with no consolation to the customer? That is outrageous.
Sounds more like what Amazon Card does, where you can opt for 6-months equal pay when making a large purchase. You make 6 equal monthly payments in order to pay off the purchase without interest.
Perhaps current customers under the program will be allowed to continue with it, while no new customers will be signed up for it. I hope that's what it means, as I have a Barclaycard myself.
I'm sure your comments are well intended, but they are considerably too black and white. It may take a little more discipline to use a credit card than debit or cash, but if you have the money for a cash purchase, you have the money to pay off a credit purchase. You are right that emergencies happen, but if you were going to buy something anyway, it doesn't make a huge difference whether you paid cash and don't have that money in the bank anymore to pay for the emergency vs. still having the money in the bank, but a balance on your credit card. You could even argue that having the cash still in the bank allows a little more flexibility.
There are also a lot of people who are financially secure (could pay for pretty much any emergency or stand to lose their job) and simply use their credit cards for the points/cash back, convenience, and other benefits (purchase protection, etc). Personally, like many, I pay my credit cards off each month, but have reaped many rewards. I used to use a Fidelity card, never paid a penny of interest, but have well into 5 figures of additional retirement money just from using the card. That card doesn't financially make sense to me anymore, so I primarily use points on a Chase card to travel.
Saying or implying that it is stupid to use credit cards is an overgeneralization and a little insulting to those who chose to use them wisely.
Ahh... And Apple glasses, of course.
[Leasing the Apple car may require special vetting, though.]/s
I used my credit card while I was unemployed for over a year. Earned points the whole time.