Bingo. I've never had to pay interest on any card. I just use them as a proxy for cash I have because of the cash back and the additional protections/benefits they afford.
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Apple Card Launched Three Years Ago, Remains Exclusive to U.S. Residents
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What I’m saying is that this means it’s no longer about Apple not putting forward the infrastructure to do this as was the case previously. Now it’s up to the finance tracking apps to implement support.
Customer service was horrible, which is why I dropped the card entirely.Yes, it's unfortunate iPhone users in other countries can't get the Apple Card and experience the wonderful customer service some Apple Card holders have had to deal with. 🤣
Apple Card Customer Service Woes Responsible for Goldman Sachs Regulatory Probe
The popularity of the Apple Card caused Apple partner Goldman Sachs to struggle to deal with customer service issues, according to a new report from...www.macrumors.com
If you can't figure out how to display a balance properly and not fix the reason(s) why it constantly bounced from having $400 in available credit to $0 every other day, then I don't want to business with you. I called GS out for this and the rep argued with me about how I was in the wrong and had $0 in available credit - with no evidence to support it.
Wow, that’s crazy. It’s probably the same for me, but I never operated that close to my limit, so I wouldn’t have ever noticed.
Now that I think about it, one would expect that a user would be able to just call them up and have their credit limit raised with little issue. I know it can be done within the app, too, so you don’t even have to speak with anyone. Instead of quibbling with the available credit, they should have just raised your limit.
Most software pulls transactional data from a link through your online account. Problem there is that Apple never implemented that. If you login to your account at https://card.apple.com you get no transactional information. No clue what Intuit did to get Mint connected for this, but it took them two years from the initial integration to having transactional data and Intuit has pretty deep pockets to help make that happen.
That makes no sense unless they don't take MC. That was almost as annoying as my short stint with Samsung. They wouldn't argue angry they didn't take it. It literally mimics the magnetics from a CC strip so it works anywhere you can swipe.
They are so full of it. Same stuff happens to us. And it will change randomly without any credits or purchases
I closed my Schwab checking account for the same thing. An almost perfect checking account no longer being used because of lackluster technology. Balance constantly fluctuated to random amounts, causing returned payments. One of them was my Amex card.
No I meant it’s not necessary to be a US-Citizen to get the card. Just residing or having resided in the US and have a SSN, credit history and a valid US address is enough to be able to apply. I am mexican and I was able to get an Apple Card. If you can’t it’s not because you’re European, it’s because you’ve never lived in the US nor have any credit history there.
That’s because the US does not have an official federal ID. They leave everything to the states. They don’t even have a federal covid vaccination certificate in the USA.
Sure but most other credit applications don’t require a photo ID, as a credit check cn be done on name and SSN, recent address etc. In any case, a passport should suffice.
Well in practice, GS doesn’t actually require a photo id from most apple card applicants. Most people who apply get approved for AC with just name, ssn, address and credit check.
I know, right!?
The other day the waking ghost of Tim Cook leaked out of my phone and bugged out the checkout terminal at Whole Foods. 100% the Worst!
Actually it may well be the other way around: the banks may be the ones refusing to pay what Apple asks for and meet Apple’s other demands. Apple can be very demanding. That makes it harder to find partners, and for Apple Card and Apple Cash Apple needs a partner bank in each country where they want to roll out those services.
On Tim Cook, as long as he’s a good money man they’ll keep him in his place. Remember they are americans after all, and for americans money is the top priority, even above their own life.
I'm pretty sure I remember a Washington Mutual card back in the mid-90s with 8% APR. Also, the same bank gave 5% interest on a standard savings account (but online only). Don't think I ever had a card over 10% until the financial meltdown.
Also, there's a neat little trick if you have a brokerage account with margin (for example, Fidelity). You can take out a cash loan from your available margin and have it sent to your bank. The interest rate you pay is your margin account interest rate, which is far less than a credit card.
That may be but you had stated that MOST interest rates on credit cards were 5 to 8%. Given that average rates have been much higher than that for at least the last three decades, I don't think it would be correct to say that MOST were that low.
Cashiers at some places still get baffled by the card not having anything but the holder’s name on it, that’s the only reason it still occasionally gets rejected. It used to be a requirement that a credit card have a name, number, etc printed on it and now it’s ok if it doesn’t, but as someone already pointed out in this forum they forgot to send out a memo letting everyone know of the change.
Something similar happened with Samsung Pay in the US: because Apple Pay arrived first and required nfc contactless, many cashiers had no idea that Samsung Pay worked even when there was no nfc or it was disabled thanks to mst that let it use the old magstripe reader, and they would tell customers it didn’t work without even letting them try.
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The same was certainly true with the carriers, none of them wanted to allow the “unlimited data” that the iPhone model required. These were companies that were making quite a bit of money in data off of users that surfed the .mobi web, only. Apple was offering the “real” web and that would have broken the bank of any customer on those old data plans.
Unlimited data plans became fairly popular and well promoted by carriers before the iPhone came along. The more common plan variable back then was talk and text.
Yes, but, due to the nature of the technology AND the browsing capabilities of the phones, most folks never used very much ‘unlimited’ data at all. The iPhone would change that as the way folks were expected to use it would mean many more folks would actually be USING their unlimited data. (found information about those older unlimited plans, how they went away for awhile, and eventually returned) The point being that the banks, like the carriers back then, could all be saying no to offering the types of connections/services Apple provides with the Apple Card. Just providing a clear view of how much interest you’d pay if you don’t pay off the card would be a bridge too far for most. Making that more obscure gets them more interest fees.