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Apple Card Launching in August
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I mean the whole thing is exciting because of all the norms that are being broken, INCLUDING the metal card. And not JUST the fact that it’s metal but it not having a number IS cool.
With that said USING it is dumb if you care about the cash rebate, which to me is the whole point of using a card. On the other hand, wealthy people care less about the rebate and more about the privacy protection... and that is their target audience.
You can carry a balance without harm as long as the balance isn't the statement balance. Just for clarity. I have my CCs set to autopay the full statement on the first of the month, well before the due date, and my CC's balance never completely empties at that time. No interest for me. Just stating this for clarity sake.
A corporation listening in on your conversations is transformative? Tesla is just another car, BTW.
You can not jettison MasterCard. If the dump master they would more or less have to take Visa. They need the network for the merchant.
As for dumping Goldman that is another story and one has to ask does Apple even want to get in the area of being a bank and all the regulations that come with that.
It’s ironic how you point out my comment with an asinine comment. If you don’t understand Apple-related jokes on an Apple-related forum, that’s on you.
Anyway, it sounds like you’re super excited about the Apple Card. Have fun. I’ll be ordering one too when it releases.
To be fair, there are a ton of cards out there that do allow Apple Pay. Not really any reason to limit yourself to one card.
My sincere apologies. Unfortunately, I read your comment immediately after reading a separate one which most definitely was asinine in nature and I unfairly carried that over to my reply to you.
Again, sorry about that
The possibility of creating their own network isn’t unrealistic.
If you have the money, then use debit. In many cases it can cost you a bit more to use credit, and you may get hit with the interest as well. There's really no reason to use it if you have the money.
Seems a tad foolish, to be honest.
But, questioning credit card abuse is almost like questioning the American dream at this point. It's that ingrained in American culture.
Using a debit card for a purchase is extremely foolish. Debit cards do not offer the consumer protections of credit cards. You should never, not ever, use a debit card for a purchase.
https://clark.com/personal-finance-credit/never-use-debit-card-pay/
I've been able to challenge charges on debit as well, and they have been reversed when there's been an issue. Real-world usage disagrees.
Anecdotes aside, the legal protections aren’t there. Using a debit card transfer liability to the consumer. Using a debit card for purchases is extremely stupid.
You don't need the government to protect you personally if your bank does. Perhaps you should consider another institution.
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Plus, anyone who doesn't notice fraud within 60 days, if it's in any significant amount, probably should just go ahead and forfeit their bank account, because they're a danger to themselves.
Yes, I know there are a lot of people like that, but I said it anyway.
I'm referring to this, not your post:
https://www.nerdwallet.com/blog/credit-cards/credit-card-vs-debit-card-safer-online-purchases/
"It’s important to note that if your card is not physically lost or stolen, you have 60 days to report fraudulent transactions with zero liability. If only your card number is stolen, the 60 days start from the date of the statement on which a fraudulent transaction appears."
If you didn't notice your debit card being stolen within two days, be drunk less. If you see a charge within 60 days that you didn't authorize, and you didn't lose your card, then no liability.
If you're the kind of person who can have a $1,000 charge sitting on their account for over 60 days without noticing, well... I can't help you with that issue, but I can refer you to a specialist.
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is this card just a credit card? I would like to top it up with cash and then spend the cash I put on it, I wouldn't like to go in debt/borrow money on the card, do you know if we can put cash onto it that we can spend how we want? thankyou
You do realise a lot of people do not have a credit card right? And go through life spending on purely a debit card without any issues
What would be the point of that? Just spend the money then when your bill date comes put the money on the card. Why do you need to top it up...?
Example: You have £800 for the month, spend £800 on the card, pay the £800 on the card when you bill comes.
doesnt matter, i dont like the idea of borrowing/debt, thats just me
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wouldnt like that at all
Then it's not for you, don't worry about it.doesnt matter, i dont like the idea of borrowing/debt, thats just me
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wouldnt like that at all
it could be for me if like i said, if i could put some of my own cash on the card and then spend it? i still don't know if thats possible or not?
It one of those famous arguments of it works great until it doesn’t and when the doesn’t goes off you really want the legal protection that credit cards offer. Plus having one more barrier between your money and payment is nice.
If their is a fraudulent charge on a credit card it is just part of your credit limit locked up while it is being resolved. You never have to pay it until it is done. If it is a debts card your money is locked up until it is resolved.
I don't understand why you want to use it that way but not the usual way people use a credit card? What's the point?
all i asked is if it's possible to put cash on it, thats all, doesnt matter if or why
Makes no sense. Credit cards with rewards are far superior and you have no interest as long as you pay it off in full. I have yet to pay interest in my many years of using them, and I get cash back. Besides using debit cards is about the stupidest thing you can do these days. Never use your debit except to withdraw at an ATM. Don’t get me started with how many people complained about their money getting stolen out of their bank accounts just in the last month alone in my area.