Wonder how much of that financial responsibility vs. lack of availability.
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Apple Card Launched Three Years Ago, Remains Exclusive to U.S. Residents
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"There is not a website for it either - so I can't even go copy/paste transactions. There is no way I would enter all our spending by hand in 2022."
You mean no website like this one?
https://card.apple.com
You mean no website like this one?
https://card.apple.com
Mine is only used to pay my $0.99 iCloud subscription every month. I get $0.03 back!
I use mine solely to purchase Apple stuff, to get the small amount of cash back. My only complaint is how Apple implements installment payments. If I want to pay off the rest of what I owe on an installment, Apple doesn't make it easy to do that. If you click "Pay more", remaining installment amounts don't show up. And apparently Apple won't let you pay off what the Wallet app won't show.
Who’s rule? Most of us finance because we don’t have the money outright. Must be nice to afford that.
I generally don’t switch credit cards, I just use them for their available benefits. In this case, I use the Apple Card for Apple purchases and pretty much nothing else. The free financing is great and the 3% cash back is decent and instant.
It works best if you stick with their autopay and just pay the entire balance. I do like the feature where you can choose a different payment and it’ll determine whether it will result in financing fees. Otherwise, for general use I see no point to it. It’s not the best cash back card and the offers aren’t great.
The reason why the card is declined by stores/hotels and such is because they are used to the old Visa/Mastercard rules “the card number must be stamped on the front of the card”. There are new rules saying that it can just be printed on the back or, in apples case, removed completely but that information hasn’t gotten around to most places. A card with no card number (or printed on the back) is what maestro cards usually had, and those cards can’t be used for stuff like hotel reservations, car rentals and stuff.
So basically, Apple released a cool new card with all the awesome design features allowed by Mastercard, but no one got the memo it was OK to do that.
So basically, Apple released a cool new card with all the awesome design features allowed by Mastercard, but no one got the memo it was OK to do that.
For me its my backup card and the one I put my Apple purchases on. If one day they get some modern infrastructure around it that lets you auto-import transactions into financial management software, then I'd consider going to it full time.
👍 At least you're honest about it.
Unlike several others here on their high horses pretending to be financially responsible.
Hmm, probably one of the items that needs to be investigated if trying to get consumers to go past free interest period.
I am sure the whoa is me problems they bring up in the article is not due to, at least in part, to the wonderful reputation the vampire squid has world wide… i mean, just ask the people of the country of Malaysia, and see what they may think of them… Apple‘s C-Suite has been infiltrated by the likes of them, and they should be ashamed. But those are Tim’s buddies and top advisors…
Goldman Sachs Malaysia Arm Pleads Guilty in 1MDB Fraud (Published 2020)
All told, Goldman will pay billions in penalties and disgorgement in Malaysia, the United States and Hong Kong for its role in the looting of the 1Malaysia Development Berhad fund.
But the apple card is also 0% interest albeit the monthly payments are 12 mo + you get 3% back upfront. It's definitely not a card to carry an interest charing balance on so anything charged is paid off every month, save the Apple payments for my MBP & iPad. I use the 3% cash back toward the payments.
Don’t think this will be possible in the EU if Apple keeps on keeps hard tying digital services into iOS to enter, rival services if not over throw competitors in markets tangent to their OS and hardware business.
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To pay it off early you have to goto where your installments are listed. Click on the installment you want to pay off early and then scroll all the way to the bottom and click the “pay early” button.
How to view and pay Apple Card Monthly Installments - Apple Support
Learn about Apple Card Monthly Installments, view them in Wallet, and see how to pay each month.
I also abide by this plan. My other CCs serve me much better in other instances but it's really a great card for direct Apple purchases if you're paying it off every month, exception made for the interest free Apple installment plan.
I put a film on mine. From spigen. That was 2 years ago.
It's probably a bank thing. There might not be any bank willing to deal with Apple because of the cut Apple wants?
Genuine question from someone not living the US - is there an interest free period or is it from day one? Where I live we have around 60 days free interest, meaning if you pay everything bought with the card the previous month, you get no interest on it. Is it same for US?
Lol true but I've seen some crazy stuff from hard-core Apple fanatics.