One would have to be living under a rock the last 3 years to make a comment like that. Between Experian, and Equifax breaches everything is out there.
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Apple Card Begins Arriving to Customers, Wide Range of Credit Scores Reportedly Being Approved
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Well, old Apple had charm, magic and revolutionary ideas. New Apple is unimaginative and bland for the lack of a better word.
I don’t care for big, strong Apple that doesn’t have a unique and bold vision as it did in the past. I mean the Apple credit card must be the most bland and boring thing Apple came up with. So underwhelming.
As another poster wrote before, “cause this is what the world needs, another credit card” or something along those lines.
This card has some unique benefits versus just a normal credit card. More integration, better support, good reporting, convenient tools, and better security.
Anyone else’s card say shipped, but when they press Track it says “Tracking Number not found.”?
There are situations where Chip and PIN are required. I needed a card that supported it in Iceland because their remote unmanned gas stations require Chip and PIN. That is NOT a situation you want to get stuck in just because your card authorization isn't supported.
I was also in Portugal purchasing a metro card and I was the only one who could use the kiosk because my card supported Chip and PIN.
Chip and PIN is a priority for me. I have a Barclaycard and would like to switch to the Apple Card as my primary card for all use including travel. But if it doesn't support Chip and PIN, I'd have to keep my Barclaycard which has a yearly fee.
Since the AppleCard is a MasterCard the merchant pays the same rate that they would for processing any other MasterCard. There's no separate rate for AppleCard.
Good point! I was given a heads up that I might have trouble if I tried to use kiosks in places like train stations so I knew to avoid that.
It’s amazing that this has to be explained over and over and over again Lol. I guess some things aren’t that obvious to people...
I think it’s more that they don’t care about the implications (yet). Up till now, credit cards have pretty much worked the same way, with the only differentiator in the rewards you accrue.
Everyone seems resigned to the banks hawking off your user data or using it to push additional products on you, or predatory interest rates because really, what other choice was there?
In a way, this reminds me of the Airpods, where it was initially written off by the “audiophiles” based on the assertion that its sound quality sucked. To them, sound quality was the only thing that mattered in a pair of headphones, nothing else.
But as it turned out, the Airpods have become a cultural phenomenon because of many other factors from ease of use to comfort. This is the consumer voting with their wallet and asserting that there are factors that matter more to them in a pair of headphones than just sound quality in a vacuum.
The Apple Card might simply be one more credit card in a sea of cards, but I would be interested to see if it can upset the status quo and spark a conversation amongst existing card holders. Might we see a revolution of sorts where users decide one day that the better security and privacy afforded by the Apple Card outweighs the monetary rewards from other credit cards?
It was a few years in the making, but we are now starting to see a backlash against companies like google and Facebook who have been playing last and loose with our user data for quite some time now. Might we one day see a similar reaction against the credit card industry as well?
In the very least, users will now finally have a say in this matter, and more meaningful choice is never a bad thing, no?
Debit cards? Cash? Checks?
There has been backlash for quite a while. It just was never mainstreamed to you till your Apple sites started posting it.
I think it’s more that they don’t care about the implications (yet). Up till now, credit cards have pretty much worked the same way, with the only differentiator in the rewards you accrue.
Everyone seems resigned to the banks hawking off your user data or using it to push additional products on you, or predatory interest rates because really, what other choice was there?
In a way, this reminds me of the Airpods, where it was initially written off by the “audiophiles” based on the assertion that its sound quality sucked. To them, sound quality was the only thing that mattered in a pair of headphones, nothing else.
But as it turned out, the Airpods have become a cultural phenomenon because of many other factors from ease of use to comfort. This is the consumer voting with their wallet and asserting that there are factors that matter more to them in a pair of headphones than just sound quality in a vacuum.
The Apple Card might simply be one more credit card in a sea of cards, but I would be interested to see if it can upset the status quo and spark a conversation amongst existing card holders. Might we see a revolution of sorts where users decide one day that the better security and privacy afforded by the Apple Card outweighs the monetary rewards from other credit cards?
It was a few years in the making, but we are now starting to see a backlash against companies like google and Facebook who have been playing last and loose with our user data for quite some time now. Might we one day see a similar reaction against the credit card industry as well?
In the very least, users will now finally have a say in this matter, and more meaningful choice is never a bad thing, no?
Excellent excellent post. Very well said. You’re 100% right. I think Apple Card is going to be a major success. No use in hating on it.
And then when I say that I use only a debit card, you all look at me like I am some kind of moron for giving up on the credit card rewards.
Seems like this would allow users to get the best of both worlds, no? You still get some cash back rewards (not the best, but not the worst either), and have your privacy to boot (well, as far as Goldman Sachs is willing to honour their agreement with Apple).
While we are on this topic, I can't help but wonder what other avenues Apple can further leverage their customer relationships to push their ideals on privacy and security onto. We have the news app, the credit card, the iOS App Store, seems like any service that plays fast and loose with user data is ripe for disruption.
It would be like a suit of armour around the walled garden.
And then when I say that I use only a debit card, you all look at me like I am some kind of moron for giving up on the credit card rewards.
Seems like this would allow users to get the best of both worlds, no? You still get some cash back rewards (not the best, but not the worst either), and have your privacy to boot (well, as far as Goldman Sachs is willing to honour their agreement with Apple).
While we are on this topic, I can't help but wonder what other avenues Apple can further leverage their customer relationships to push their ideals on privacy and security onto. We have the news app, the credit card, the iOS App Store, seems like any service that plays fast and loose with user data is ripe for disruption.
It would be like a suit of armour around the walled garden.
The Apple Card is a great card for what it is for people that use Apple Pay frequently and/or buy from Apple Stores and do not maximize their returns.
Apple can practically replicate any product of their competitors’ services to build that walled garden.
This includes their own search engine, their own data centers, their own storage solutions, etc. If you really wanted to pursue visions of grandeur, you need to focus on infrastructure and foundation more than apps. You also need to target the more global demographic and not just the NA/EU subsets.
Monday morning in Texas...no idea of when I will get my card. It has been over 4 days since my card was ordered...will it ever arrive? Will I ever be able to get that 1% cash back? Will my life ever be complete? Will my interest rates drop and credit limit go up?
And who can beat the 40-60K credit limit at 17.99%?!?!
Stay tuned for an hour when this will be quoted...
And who can beat the 40-60K credit limit at 17.99%?!?!
Stay tuned for an hour when this will be quoted...
Yeah, that is one of the more frustrating aspects of this. Waiting and hoping that these features will eventually trickle down to other countries.
Apple doesn't just blindly replicate an existing service or product though; they typically do so when they feel there is room to put their own twist on things and address certain pain points.
For example, with their array of services (news, arcade, video+), the killer feature from what I can see is curation. With news, Apple has employed their own team of journalists who vet the news before recommending them to your feed. This is in contrast to a service such as Facebook, where everything is managed by algorithms.
With Apple Arcade, Apple is addressing the deluge of free-to-play games by surfacing a selection of games they believe you will want to play, then putting it front and centre of the App Store.
Same with Video streaming. Unlike Netflix which has a huge library of content and then relies on algorithms to recommend you shows it thinks you will enjoy watching, Apple is making shows it thinks will have mass appeal. In short, the content itself is assumed to already have been curated beforehand.
Likewise with the credit card. I remain confident that the net experience afforded by the Apple Card will be greater than the sum of its parts. This is again made possible by Apple's control over hardware, software and services. And if they can help shift the industry towards adopting practices that better benefit the consumers, all the better. If not, then at least users have an option that prioritises privacy, similar to the Apple Maps vs Google Maps paradigm.
Anytime customers are unhappy, the potential for disruption (by Apple) will be there.
Using Apple TV+ and this credit card as recent examples, both solutions are not really satisfying the “customers are unhappy” problem. The only real disruption Apple has as of late are these forums
I signed up to get notified. Haven't received an invitation. But, this morning, when I opened the Wallet app and tapped + to add a card...Apple Card was available.
I'm in Austin and opened my account Thursday evening and got a tracking number this morning for my physical card which should be here tomorrow morning FedEx.
My physical card is out for delivery and should be here this morning. In other news, anyone else had transactions declined at places normal Apple Pay works? 3 times I have been declined, once for saying chip not compatible, and twice saying card not supported, but used another card on apple pay and it worked fine.