Apple Card Ranked Tops for Customer Satisfaction by J.D. Power for Second Year

[BruiserB]

The card can be both loved and hated.

Seems the loved parts are the Apple designed parts: the interface, ApplePay integration, cash back to Apple Cash, ease of payment, the cool physical card, etc.

The hated parts are the GoldmanSachs parts: actual customer service if you have an issue with a merchant, etc.

 

[kenny7]

Not surprising. Apple card has far better experience than anything else out there. I love my Apple card😍

 

[HMFIC03]

Nothing gave me more satisfaction than using Apple Pay from my watch in Ginza Japan store last month. When I showed my card (passed it around), I had the attention of all the employees, none one there had ever seen one before. ❤️ mine!

 

[nwcs]

Well wait, wasn’t there an article a week or so about some investigation by some agency regarding resolving customer issues??

Regardless, I’ve had the card for I think 2 years and am very happy with their customer service the few times I inquired

Or it could mean other card companies are even worse…

 

[Wags]

Well wait, wasn’t there an article a week or so about some investigation by some agency regarding resolving customer issues??

Regardless, I’ve had the card for I think 2 years and am very happy with their customer service the few times I inquired

Ya. Great timing. JD power not like 30 years ago. They also don’t give out award for free for consumers benefit. Apple or Goldman paid them to release.

 

[mdatwood]

Not necessary. Every card has its perks. I have four I use for different things. The Apple Card definitely doesn’t make me feel like a Baller (cause I’m broke). It’s just the easiest to use, especially digitally.

This is the way. The Amazon card gives 5% back on all things Amazon and Whole Foods. Amex has a card that does 6% back on groceries and 3% back on gas (cost $95/year, but it's easy to come out way ahead). Apple Card gives 12 mos 0% interest and 3% back on Apple purchases. Run everything else through something like the Cap One Venture X (if you like to travel), and it's simple maxing CC rewards w/o much thought.

 

[FreakinEurekan]

it would be nice if you could download your purchases in Excel format, instead of having to copy them over by hand.

That’s in there now - CSV format.

 

[MrDerby01]

Only in the US do they feel the need to tell you what is the best. This report literally means nothing..

 

[M5RahuL]

JD Power.. lol

 

[1557750]

This is the way. The Amazon card gives 5% back on all things Amazon and Whole Foods. Amex has a card that does 6% back on groceries and 3% back on gas (cost $95/year, but it's easy to come out way ahead). Apple Card gives 12 mos 0% interest and 3% back on Apple purchases. Run everything else through something like the Cap One Venture X (if you like to travel), and it's simple maxing CC rewards w/o much thought.

Exactly! See, you know what’s up…

And I’m looking forward to use the card this year to finance my trade in. Usually have to go through Citizens. They’re fine, you just don’t get anything back and have to apply every time.

 

[ogawa]

The 0% financing over 12 months on apple card has made buying my new MacBook much less of a burden than it was with my last macbook 10 years ago. Plus 3% back is a nice little bonus. Most other 0% financing cards don't come with other perks. Pretty happy.

 

[compwiz1202]

Exactly! See, you know what’s up…

And I’m looking forward to use the card this year to finance my trade in. Usually have to go through Citizens. They’re fine, you just don’t get anything back and have to apply every time.

I don't like Citizens because I don't think they have a way online to pay off the balance. On VZW, you click a few things and you're paid off and ready to trade. I always pay through VZW but pick up at an Apple Store. VZW seems to always lose the trade, and we have to go through contacting everyone until it is finally fixed

 

[chickeneaster]

Apple Card: consumers’ favorite way to convince themselves they can afford what they cannot!

That's true with any credit card though; they give you a credit limit hoping that you can't afford to pay it back in time so that they can make their 14.99% to 24.99% interest rate

 

[chickeneaster]

I am considered a "dead beat" customer by all the credit card companies. Why? Because I pay off the balance in full every month and I get free use of the banks money for up to 45 days.

I have significant allowable balance capability due to a extrememlyn high credit rating. I have no long term either.

We have a couple of cards that live in our "bug out" bags that we normally never use so the entire line of credit would be available if needed in an emergency.

I have had issues getting some purchases made with the Apple Card number, but the folks on the bank side do get it resolved in a timely fashion. The card itself stays in a secure location.

I'm the exact same way! I just got my 4th credit card (first one from Amex) and I always pay my cards off by the end of the statement, so I'm technically beating their game because I'm getting the cashback without having to pay any interest whatsoever. Good idea about the credit cards for emergencies! But do you use them every now and then so that they don't get cancelled for not being used in a while?

 

[chickeneaster]

They still get merchant money because of you. True deadbeats would get the card and never use it.

But they're not getting money directly from us, just from the businesses that pay those merchant fees

 

[chickeneaster]

I think the true "dead beat" customer would be the one that rarely if ever uses the card. Even if someone pays their card off each month, if they are relatively active $$$ user, the credit card can at least still make money from merchant interchange rates/fees.

I'm the type of customer that never leaves a balance, and I have 4 credit cards so I never thought that I was making them money off the interest rates but I never thought about the merchant fees. Good point!

 

[compwiz1202]

That's true with any credit card though; they give you a credit limit hoping that you can't afford to pay it back in time so that they can make their 14.99% to 24.99% interest rate

One of the worst things about CC is they will keep raising limits and giving new cards until people can't pay anymore and their Scores tank. Unlike mortgages that looks at DTI. Although for CC it should be Limit to Income.

 

[goonie4life9]

The card can be both loved and hated.

Seems the loved parts are the Apple designed parts: the interface, ApplePay integration, cash back to Apple Cash, ease of payment, the cool physical card, etc.

The hated parts are the GoldmanSachs parts: actual customer service if you have an issue with a merchant, etc.

One small tweak - the customer service is dictated by Apple

 

[ajfahey]

I’m still not happy with Apple’s inability to implement acceptable integration with personal financial software like Quicken. “It just doesn’t work”.

 

[HDFan]

Apple today announced that, for the second year in a row, the Apple Card and its issuer Goldman Sachs ranked highest in the Midsize Credit Card Issuer category of J.D. Power's annual U.S. Credit Card Satisfaction Study.

I’m still not happy with Apple’s inability to implement acceptable integration with personal financial software like Quicken. “It just doesn’t work”.

Very hard to believe. Worst credit card I have ever used.

1. Credit limit abysmally low. 1/5 th of the limit of my other cards

2. Called to get it increased. Customer service representative, clearly not top tier, was just reading a script. Appealed the limit.

3. Limit increase was rejected. Again they were just using a script and there was no way to appeal.

4. Had some issue with some charges. Hadn't a clue, told me to call Apple.

5. Doesn't automatically work with Quicken. Quicken downloads all of my other credit card transactions automatically. Goldman Sachs doesn't.

6. As all of my money management is done in Quicken I have no use for the app. Looks pretty, but much better if they put their $ into a product that is actually useful with well trained and high quality support personnel.

This is in-line with the poor Apple support that apple offers for finding transactions. Compare how easy it is to search Amazon orders vs Apple transactions. Apple's "Report a Problem" only covers the current year. Account history requires you to go to each year (or month) separately to find things. No global search. Amazon allows you to search all your purchases for all years searching by keyword.

The only thing that this card offers that I find useful is the 3% cash back on Apple purchases. Otherwise the benefits are poor. My Chase Sapphire reserved gives me 3 points on travel, dining, pays for Trusted Traveler costs, airport lounge access, gives me Doordash credits, rebates me $300 a year for travel/dining costs, etc. It is expensive but the cost is recovered multiple times via benefits. If these benefits aren't of interest to you there is probably a better card out there that gives you benefits you want.

 

[chickeneaster]

I applied 3 times for the card; the first time I only got a $2,000 limit and on my other cards I had more than double that so I declined the offer, and the next 2 times that I applied (which were about a few months in between) I got denied, so I don't know what's up with that

 

[ILoveCalvinCool]

1. Credit limit abysmally low. 1/5 th of the limit of my other cards

2. Called to get it increased. Customer service representative, clearly not top tier, was just reading a script. Appealed the limit.

You called? You can just request an increase from the website. Mine went through in minutes and I never spoke with anyone, just clicked a couple buttons. Give it a try.

 

[gaximus]

I wish you could choose your own due date for payments. Wasn't that in the consumer credit law that was passed a decade ago? And it would be nice if you could download your purchases in Excel format, instead of having to copy them over by hand.

You can just text them and ask to change your due date, and they'll do it.

 

[ILoveCalvinCool]

I applied 3 times for the card; the first time I only got a $2,000 limit and on my other cards I had more than double that so I declined the offer, and the next 2 times that I applied (which were about a few months in between) I got denied, so I don't know what's up with that

Instead of declining, accept the card and then request a limit increase later. I've had no trouble getting mine increased.

 

[chickeneaster]

Instead of declining, accept the card and then request a limit increase later. I've had no trouble getting mine increased.

That's what I should have done but since the last 2 times I got declined, I'll probably get declined the next time I apply but I'm going to wait maybe a year before I apply again though