Yooo listen. These Apple Card threads are filled with people that “don’t care” and think it’s “stupid” lmaooo it blows my mind. It really does.Why do you care if people are excited? If you are so vexed why are you posting in this forum?
What if someone only has 1 credit card? Is adding the Apple Card really going to have a dramatic negative effect?But how much Apple stuff do we typical consumers buy, really, to make an occasional 3% worthwhile of opening & managing another card?
Which Citi is 3%? Also, you wouldn’t want to ditch your Citi, closing it could hurt your credit score. And for some, the security and privacy is the only justification they need. But really there’s no requirement for you to apply; if you don’t want it, don’t get it ¯\_(ツ)_/¯My credit score is over 800 and I still can't justify ditching my Citi, 3% cash back card for this pretty Apple card.
Trust me, I'm a 100% Apple loyalist but I still need to have some sort of justification in terms of a particular Apple product. This Apple credit card gives me zero justification.
It’s really not that hard to manage if you use it exclusively for Apple store purchases and maybe Apple Pay for very specific use cases. Both cases don’t require you to carry the cardBut Card has only 1% on most items.
But how much Apple stuff do we typical consumers buy, really, to make an occasional Apple 2-3% worthwhile of opening & managing another card?
I won't use this card for even my own Apple purchases since it has no warranty extension coverage built in. For an extra year at no cost seems a no brainer TBH. Even for the 3% cash back. It's only a % less than my current card to the return isn't that great.It’s really not that hard to manage if you use it exclusively for Apple store purchases and maybe Apple Pay for very specific use cases. Both cases don’t require you to carry the card
What could work is you can get friends and family Apple discounts plus the 3%. That’s my plan at the moment
Can you link to something verifying no supplemental coverage? I’ve seen this claim a few times but nobody’s backed it up yet. Goldman’s T&C points to MC for supplemental coverage.I won't use this card for even my own Apple purchases since it has no warranty extension coverage built in. For an extra year at no cost seems a no brainer TBH. Even for the 3% cash back. It's only a % less than my current card to the return isn't that great.
according to the articles, yes, you can create a credit card number use it once and dispose of it. at the moment, i didn't see a video on Apple's youtube channel yet on how to do that, but supposedly you can.One thing I'm still unsure about, does this card offer virtual disposable numbers or not?
and the fact that there is no late payment fees, or foreign transaction fees.I guess the only compelling reason would be the interface and the fact that your 2% cash back is available to spend instantly in Apple Pay.
In some markets, like Switzerland, also formerly UK and Australia, still somewhat DE and AT, the banking cartels have conspired to block Apple Pay. This card is as much an end run around that collusion as it is the point of a slow entry into consumer banking in those markets by Goldman Sachs. LoL, the Kartells while soaking customers on annual fees, and fees for using, tried to keep Apple from getting a 0.15% fee for Apple Pay, and build up their own clunky systems, that in the end they will be disrupted by a new entrant into their finance markets. Serves them right, and the customers will be better served.I'm really curious to see how Apple will handle this in Belgium/Europe.
Unicorn!First person to get the invite email and post true confirmation here gets 50 likes.
I guess I'm trying to see the point of this, other than the "tech" factor of the card itself it's a step back, reaching for your wallet to make a purchase. I'll stick with my Visa and Apple Watch."I got to hold the card itself and it is very nice, although it is fairly thick and felt a little bit heavier than the typical metal credit card. You can use the card without your phone nearby like any other card, but it doesn't support contactless payments -- Apple obviously wants you to use your phone or watch for that."