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Yeah, I'm using an iPhone XS. I miss Touch ID. That double click on the side button to authorize payment is more awkward.

My default Apple Pay card is the one issued from my brokerage. When I get the Apple Card, it is likely I will continue using the brokerage Visa as the default Apple Pay card.

I have toyed with the idea of deleting most of my other cards from Apple Pay but since they don't hurt anything just sitting there, I've left them on my phone.

Edit: well, reading some responses to an earlier post I made, it sounds like I should change the way I do my Apple Pay transactions. (laughing) I'm not surprised that I've been doing it inefficiently.
Benefit of keeping unused cards in the wallet is notifications. If you have the related app set up you’ll get notifications from there too but the double notifications are no great hardship and possibly beneficial as a confirmation or redundancy.
 
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GIMMEE MAH HUG!! :)

It just occurred to me that tomorrow is Tuesday which is the traditional launch day for some Apple things so maybe this went live ahead of emails/invites going out tomorrow.

I will join that wagon with you. I've already been checking my email more than normal today. I think the site just went live before the email invites.

Oh and is this where we sign up for the hugs?
 
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Unless you wanted to pay with a card other than your default card. In that case you did have to double click the home button to manually bring up Apple Pay and be able to select a different card.

IIRC, you can just tap the phone without your finger on Touch ID and the wallet comes up, then you can select a different card.
 
It probably didn't help that there were endless stories about how insecure some of these cards were. A lot of scare stories about how you could walk around an airport (for example) stealing people's card information with a NFC reader in your shoulder bag. Remember when Mythbusters were going to do a segment about it and legal counsel of both Discovery Channel and the card issuers were like "No, no you're not going to do that" and shut it down?
Why would anybody shut down something that would prove that these endless stories were just that, stories?
 
Why would anybody shut down something that would prove that these endless stories were just that, stories?
Because there was a lot of concern that the stories were not just that, stories. Like it would be revealed that yes they are terribly insecure. Perhaps not because the tech was inherently insecure but it's application by the card issuers was not as robustly secure as it should be.

Not to sound tooooo conspiratorial but if they were confident in the security of the tech they would have literally sponsored the show in order to get the word out. Instead...well...

Apple took that security to the next level with TouchID/FaceID and now going further with it's own card.
 
Isn't that redundant, AFAIK all iPhones running the latest iOS can be used for Apple Pay.

Apple Pay not ApplePay Onl
I can see how the Apple Watch might change things (I don't have one). Do you need to select a Wallet app on the Apple Watch before you can pay? What about multiple cards?

At least using Apple Pay on the iPhone, I still need to unlock my iPhone, select the Wallet app, maybe select the card that I want to use, then double-click the button while staring at the phone (Face ID). In the end, it's not actually faster than pulling out my wallet. The main benefit is that the Apple Pay NFC contactless transaction is greater security.

The Apple Pay authorization is often faster than an EMV chip card transaction admittedly.

Here in the USA, most credit card issuers got rid of the NFC contactless feature in their cards. It was far more common five years ago but the technology did not catch on with the average American consumer.
soeey on iPhone you do NOT need to unlock your iPhone to use ApplePay. You may have this disabled.

On Watch ... double press on side button and swipe to select the card you want hold it near boom.
 
If you are not charged interest (by paying off balance), how is it not free money?
[doublepost=1565032289][/doublepost]

I wonder if they meant the trustworthiness score assigned by Apple to a person's AppleID?
If the seller has to pay high fees (and he has, otherwise the credit card company could not afford such high cash back) ultimately the customer will pay higher prices (otherwise the seller couldn't afford to pay such high fees). Free money doesn't exist.

In Europe there is a cap to the credit card fees, as a result cash back is almost non existent because credit card company can't afford it. On the other hand prices tend to be cheaper (unless it's imported stuff of course).
 
You are right.

I do appreciate the notifications whether it's the Wallet app, the credit card issuer's iOS app, or even an SMS/e-mail from the issuing bank.
So do I. What I don’t get is why it took Apple four years to enable push notifications and a recent transaction list for apple pay purchases made using the Apple Watch. Seems like that should have been available from day one for both apple watch and iphone.
 
Hehehe I think you completely confused on the idea of leaving your wallet home. In the USA is it required to always carry your drivers license when driving or do you have 24hrs/30 days to submit it if pulled over or ticketed?

I think you confused what I said, “I can put my drivers license and :apple: Card on the back of my wallet case.

The only reason to bring the titanium :apple: Card being for places that don’t do contactless payments, yet. And until DMV decides to not drag themselves at a snail’s pace to add secure, digitized identification I will have to carry my license with me.
 
Apple card does not even include a bonus or fraud protection. Not good for consumers when things go south. And the no late fees thing is very stretched on apple.

I'm pretty sure they're subject to the same federal laws regarding fraud liability as every other card out there.

Wouldn’t it be covered under Mastcards fraud protection? Same as if your local bank debit card was compromised it falls to Visa or MasterCard?

Yep, but consumers don't typically deal with MC directly to take advantage of that.

Sellers must pay extortionate fees in the US if credit cards give so generous cash backs. In Europe cash backs are much lower or non existent. I wonder if and when Apple Card will arrive here, and what cash back will he offered.

2-3% typically. I'm sure merchants would prefer to pay a lot less (if anything at all), but not enough to stop taking cards for the most part. Or even making surcharging/minimums commonplace to discourage their use.

Prices are higher, some there really think the money is free, I am on this other thread right now, people laugh at my comments, seems like they themselves don't get it.
Cashback, whether on the Apple card or whatever card is not free money although it might seem so.

As mentioned before, it's very possible merchants would just pocket the difference, meaning no change from the perspective of the consumer (other than losing rewards, of course).

That said, it might get some of the NFC holdouts to change their tune if it costed the same to accept it vs. trying to get people to use their own apps. Whether that's worth it to people is another question.

Here in the USA, most credit card issuers got rid of the NFC contactless feature in their cards. It was far more common five years ago but the technology did not catch on with the average American consumer.

I'm not sure it was ever that common. The only card I remember having with it back in the late 2000s was an AmEx, and I'm pretty sure I could only use it at CVS.

It changed again, contactless is having a second run, a lot due to the added hassle EMV chip has caused. Bank of America is the only major brand that doesn't send out contactless cards right now.

BofA is currently testing them in a few markets. If people take to them, they'll be rolled out nationwide.

My understanding is that many credit card issuers will send out an NFC contactless card upon direct request from the customer.

I believe part of the failure the first time around was a fair amount of hysteria about the possibility of people getting their accounts sucked dry by scammers using spying devices. We also saw similar hysteria when Apple Pay was announced.

Similar concerns went around when local transit agencies started using NFC contactless transit cards.

The problem was more lack of use by consumers, likely exacerbated by lack of merchant adoption. I suspect that without Apple Pay acting as a motivator, most (if not almost all) merchants wouldn't have bothered including contactless with their new chip terminals. And Chase et al definitely wouldn't be trying again.

BTW, contactless cards are still uncommon precisely due to issuers being reluctant to try a failed technology a second time. I'm sure they'll will change their tune quickly once there's evidence that they're getting more success than the various mobile wallets.

Since late last year Chase is sending them out as renewals without asking. I thought smartphone pay solutions like Apple Pay would take over and contactless in cards was dead too but apparently not. Apple Pay has no sucked dry problem, like cards do, because it requires user action to activate.

I've definitely been seeing Apple Pay being used more and more, though growth has been a lot slower than people thought it'd be. It might end up just being a generational thing, kinda like with checks.

Remember when Mythbusters were going to do a segment about it and legal counsel of both Discovery Channel and the card issuers were like "No, no you're not going to do that" and shut it down?

I thought Adam and Jamie flat out debunked that rumor?

Because there was a lot of concern that the stories were not just that, stories. Like it would be revealed that yes they are terribly insecure. Perhaps not because the tech was inherently insecure but it's application by the card issuers was not as robustly secure as it should be.

As mentioned above, I don't think there were ever enough of those cards floating around to make people afraid of them on a widespread basis. If there were, it'd be another reason for banks not to bother a second time.
 
I think you confused what I said, “I can put my drivers license and :apple: Card on the back of my wallet case.

The only reason to bring the titanium :apple: Card being for places that don’t do contactless payments, yet. And until DMV decides to not drag themselves at a snail’s pace to add secure, digitized identification I will have to carry my license with me.

I completely understood you even with clarification. You missed what I did ask though ... does the DMV and law in each state or all (maybe it varies) require you to must have you drivers license at all times when driving? Is there a grace period to provide after the fact to prove you have a valid license?

Either way those of us in North America the complete digital wallet is still some time away from full reality
 
Why are folks so excited about this? Do you do that much shopping at Apple to make a 1% rebate exciting? There are other cards that give back 2% on everything and don't require you to have an iPhone.
 
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Why are folks so excited about this? Do you do that much shopping at Apple to make a 1% rebate exciting? There are other cards that give back 2% on everything and don't require you to have an iPhone.

Why do you care that other people care? You don’t like threads that you’re actually interested in? You don’t think that people know that other credit cards exist?

You only list 2 things that other cards have that this card doesn’t. If you can’t see why people would want this card then move on. Please.
 
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Any idea what credit bureau Goldman Sachs uses? I have a freeze on all my lines of credit and will most likely need to unfreeze one of them before I’m issued a card.
[doublepost=1565054479][/doublepost]Read on Google search recently that Goldman was tied to TransUnion FWIW.
 
No email for me either, however, I did get some good news from my Barclays card

excited-ron-paul-its-happening-rl0FOxdz7CcxO
What news?
 
[doublepost=1565054479][/doublepost]Read on Google search recently that Goldman was tied to TransUnion FWIW.
Yep. Been reported multiple times on this board that people who have already gotten the card have had transunion checked.
 
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