Would really like to see Apple card expand to many other regions. Does not seem like it will happen. Maybe it will come to UK eventually.
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Apple Card Launched Three Years Ago, Remains Exclusive to U.S. Residents
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In general yes, but there are also situations where you still come on top carrying a balance (though obviously still not a sound personal finance decision). For example, if you have a 5% back card with 24% APR, you can pay the balance after 2 statement periods and still effectively have a 1% cash back.
so who forced you to buy all the latest hardware that you have in your signature? Maybe skip one iPhone iteration and you can buy next one outright without financing
I buy my iPhones on 2 year contracts because I don’t want to pay a load of money outright for it. What’s wrong with that?
Some merchants have strange or outdated requirements. I once had a cashier give me a pen and demand I sign the back of the card (not an Apple Card) before she could stick it into the chip reader.
Sometimes financing is the best option. As long as you’re not using money you don’t have, having cash on hand instead of paying everything on a purchase might net you a little more given the high inflation we have right now. The same cash today will have more purchasing power than 12 months from now, as long as you’re not paying interest on it. On the Apple Card the interest is 0% and it still gives you the 3% back if you do installments.
This is a really disingenuous presentation--the primary reason for the balance differences is the credit card regime.
In Europe for example:
1) Credit Card balances typically must be paid within 30-60 days, in full. No such thing as a FICO score there.
2) Card limits are typically under 5k, and even then they will not extend credit to that amount if it is more than a few hundred over your current bank balance--the bank will call you and cut you off.
3) Typically the bank charges you a monthly fee of a couple Euros for the card.
4) Sign-on bonuses and card rewards are nearly non-existent.
5) Many, many establishments don't accept them, though admittedly this is changing quickly.
The primary reason most people even want credit cards is for online shopping or traveling to places like the US, as they don't have much purpose otherwise, since the bank already gives you a debit card and you have to pay the balance in full on any credit card--gives the low (often negative in recent years) interest rates, a "float" of 30 days isn't really all that attractive.
I have a new Chase card here in the UK, it's app based and the physical card shows no number. I have a card from another bank that has the number printed on it, and a further card which has the traditional embossed number. I'm old enough to remember the " Clacker " machines where the shopkeeper put your card in the machine with a three part payment slip, drew the mechanism across the card and the number was physically imprinted on the slip. They tore off the top part and handed it to you as your receipt. Sounds archaic, but I was in a place several years ago where the tills were down. The proprieter rummaged through a few drawers and produced a dusty " Clacker " machine and a box of payment slips. ( I'm old, very old...)
I’m only 40 and remember when I started work in 1998 those machines were still used for card payments in a lot places in the UK. Card machines were becoming the norm by then though and chip and pin came in 2006. I remember travelling to the States a few years ago and still being asked to sign a receipt for a card payment lol. I was shocked how far behind us they were with that sort of thing. It looks like we are years in front of them with Apple Pay now too. I haven’t carried my wallet with physical cards in it for about 4 years now as most things I buy are done with my phone or watch.
Apple Card is Mastercard though, so why would American Express matter?
Yup, UK as well and I have the same mix in my wallet. The times are a changing…
Haha! I'm same vintage. 🙂
I charge and pay end of the month. Only cards I run a balance are 2 current ones with no interest for 12-15 months.
Yeah, all my money. You don't see a Mac Pro in my signature.Or because Apple gets all your money
iPad Pro 11" 3 years old
MacBook almost a year
Apple TV 2 years old
Apple Watch 7 bought by selling old watch and something else (can't remember)
iPhone Pro Max $58/month
Even my TV was barely over $400.
Doesn't seem like 'all' my money.
The judgement on this thread is incredible.
Interac transfers in Canada is STILL under the Rogers monopoly that the CRTC allowed long ago and will not be resolved until next year - if that. Also after spending another $250 billion Canadian taxpayers money vs fining Rogers for that!
like where were you in Canada 1st weekend of July (July 8th)!?
Rogers Outage - Interac status update
Updated July 7, 2023 The July 8, 2022 Rogers Communications network outage led to the unavailability of Interac services and as a result, Interac made
www.interac.ca
Rogers network outage across Canada hit banks, businesses and consumers
Canada's Rogers Communications said on Friday it was working to resolve its network issues that have caused widespread disruptions affecting banks, police and consumers across the country.
Rogers network resuming after major outage hits millions of Canadians
Rogers Telecommunications said its network was beginning to recover late on Friday after a 19-hourservice outage at one of Canada's biggest telecom operators shut banking, transport and government access for millions, drawing outrage from customers and adding to criticism over its industry...
Although this major nationwide issue with Interac it's most likely going to occur again.
I look forward to Apple Card coming to Canada - even though I'm considering jumping ship to an Android gaming phone. I'm just unsure at the moment.
I'm just responding to a person, who had issues with the AC being accepted. Personally I've never experienced this. All of my other CCs have very visible numbers on them...
Yeah I get your point and I’m not defending the Rogers monopoly. But this kind of outage is exceptional, and Interac services has been pretty reliable over the years. Not saying it will never happen again, but there are services far less reliable than InteracInterac transfers in Canada is STILL under the Rogers monopoly that the CRTC allowed long ago and will not be resolved until next year - if that. Also after spending another $250 billion Canadian taxpayers money vs fining Rogers for that!
like where were you in Canada 1st weekend of July (July 8th)!?
Rogers Outage - Interac status update
Updated July 7, 2023 The July 8, 2022 Rogers Communications network outage led to the unavailability of Interac services and as a result, Interac made
Rogers network outage across Canada hit banks, businesses and consumers
Canada's Rogers Communications said on Friday it was working to resolve its network issues that have caused widespread disruptions affecting banks, police and consumers across the country.www.cnbc.com
Rogers network resuming after major outage hits millions of Canadians
Rogers Telecommunications said its network was beginning to recover late on Friday after a 19-hourservice outage at one of Canada's biggest telecom operators shut banking, transport and government access for millions, drawing outrage from customers and adding to criticism over its industry...www.reuters.com
Although this major nationwide issue with Interac it's most likely going to occur again.
I look forward to Apple Card coming to Canada - even though I'm considering jumping ship to an Android gaming phone. I'm just unsure at the moment.