Thanks for the info. Of COURSE it’s a hard pill, no one does a soft pull for a card that I have ever heard of. Any idea the range of scores they’ll accept? I’ve wondered if the five that the application is only iPhone, a device they know everything about, makes them potentially more lenient.
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Apple Card Launching in August
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Thanks for the info. Of COURSE it’s a hard pill, no one does a soft pull for a card that I have ever heard of. Any idea the range of scores they’ll accept? I’ve wondered if the five that the application is only iPhone, a device they know everything about, makes them potentially more lenient.
Amex and Citi have nice apps.
USBank obtusely forced 2FA on theirs which breaks it for folks posted overseas (have to use browser), was decent until this happened.
Credit unions use one of a few select service providers the ones I’m familiar with need to up their game (also to update their ATM network to allow authentication via Apple Pay like BoA, Wells and Chase do.)
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If that were the case, then the could up each cash back category by 1% and really make an impact. At the announced benefit levels it’s not really exciting. 1% for swiped purchased isn’t even worth using... I won’t be carrying the physical card that’s for sure.
It is ironic btw that they want us to go card less AND then they make the biggest heaviest card to go with it.
Nobody ever comes with their best deal first. If the card doesn’t get traction, there is plenty of opportunity to increase the flat rates, or offer limited time increased rebates (the app would be great for this).
Think broader and not along the lines of what others have done.
I'd rather credit cards not be anything but payment methods. These complicated discounts, or whatever you call them, are a waste of everyone's time. Sure, if they offer something, it's worthwhile for me to take it, but no net good has been created out of that.
If this were some easier way to pay, I'd care. As for security, I'll only be impressed if it can generate a card number per transaction. Otherwise, it's just another annoying rewards card.
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Maybe they will patch this bug in iMessage that wasn't fully patched in 12.4 before the cards release. Kind of weird Project Zero is holding onto the bugs details, maybe they want a shiny debt, sorry Apple credit card (yes you can use them responsibly but many don't and i fear that's more likely the majority than the minority) Credit cards are just the modern equivalent of a loan shark in my view.
https://bgr.com/2019/07/30/imessage-bug-security-flaw-google-project-zero/
https://bgr.com/2019/07/30/imessage-bug-security-flaw-google-project-zero/
This has to be the lamest marketing pitch for a credit card ever.
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As long as you pay it off each month it doesn't matter what you buy with it (dinner, groceries or anything). Why should it?
more people need to know this. Dave Ramsey drives me mad. Unless you are a millionaire you need credit. He has good advice, but his views on credit, if used right, are poison.
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If that were the case, then the could up each cash back category by 1% and really make an impact. At the announced benefit levels it’s not really exciting. 1% for swiped purchased isn’t even worth using... I won’t be carrying the physical card that’s for sure.
It is ironic btw that they want us to go card less AND then they make the biggest heaviest card to go with it.
it is funny how everyone wants the physical card, but that’s actually the thing you shouldn’t use since the rewards stink.
I have to agree, it is lame, and Tesla are not transformative, its a luxyury lelectric car, now i it was a cheap car for the masses may yes, and considering the software issues it seem
Tesla are not transformative, its a luxury electric car, not a car that is aimed at the masses who need cheap electric cars to help the environment or the planet, and other companies are working on self driving electric vehicles apart from Elon Musk. and not aiming at the luxury end to fill his companies boots (which Tesla isnt doing very well) now if it was a cheap car for the masses maybe yes it could be transformative, and considering the software issues that get reported the only transformative part I see is from car to scrap in some nasty crashes, some caused by lame drivers expecting more from a Tesla than its capable of.
As to Alexa nope not transformative, just consumerism at its most invasive in my view, It will listen in when it shouldn't so don't mind us when we pick up snippets of conversation we shouldn't. Its a just a glorified salesperson masquerading as high tech speaker. I can live without that invasive tech, so nope that's not transformative unless gathering private information direct from the source is called that these days. I thought it was spying myself.
Credit cards are just shiny loan sharks as i see it and I have seen the misery when people get in huge debt trying to buy happiness. Ive seen the same here on MacRumours with post like like "are you bored with your iPhone" after only a month. People are spending so much trying to buy a smile its scary. Maybe I'm a bit stoic but credit and consumerism ultimately is a short fix for unhappiness for some and a great profit from the companies like Capital One, and now Apple. Its a card loaning you money, as I see it if you cant afford things outright then save up (cars and houses being big exceptions to that rule unless you are Jeff Bezos or Tim Cook etc) I just wonder if at times we maybe should be looking at why we need so much stuff on credit anyway.
It’s your prerogative to scatter your rebates to the wind. As for me it’s the low hanging fruit that’s the sweetest.
Ehh understand that this check is done by Goldman Sachs and they’re looking at your credit report. It really doesn’t have anything to do with Apple or how you use Apple products. Also, there isn’t always a hard pull. Majority of time there is though you’re right.
No idea of the range. Some people with really good credit have been denied. Like above 750 FICO. Seems to be kind of random.
I don't necessarily agree with this. It really depends on your activity.
I get 3% now from Apple (in store and iTunes) with my BarclayCard, PLUS i have no interest for 18 months when I buy equipment for the college aged kids. I use another card which gives me 2% (and has Apple gift cards as a reward) as my primary card on Apple Pay. This emulates what the new Apple card would offer, PLUS I get the no interest financing on Apple gear.
This. I already have every bank card under the sun. Including citi and other cards that offer pretty good rewards for usage. So I don’t see the point in this card. Am i missing something here?
Wonder which credit agency Goldman Sachs will use, so the day it comes out I know which of the big 3 to unfreeze, or if I will have to unfreeze all 3 reports. Hmmm lol.
I do too, so I only use cards for the cash back and pay them off every month. 3% instant return on Apple stuff is better than the 2.625% that Bank of America gives on Apple stuff (they give 5.25% in some other categories)
This is true, I buy and sell men like myself everyday.I’m sure a wealthy industrialist like yourself buys everything cash.
Until you look at the back, I agree the front of the card is beautiful. Its mostly the Goldman Sachs Logo that Maks it look so bad. When the original iPhone came out, ATT wanted to put their logo on the iPhone, like all phones before the iPhone had the carrier logo on it. But Apple refused, they should have done the same with the card. It's a "Apple Product" with some other companies logo on it. Its not a deal breaker for me, but it could have been so elegant.
Statement fail--if that were the case, then I suppose one could try to argue that the iPhone was not made by Apple in spite of the fact that there's an Apple logo on the back of it...