Apple Pay: Auto Updates New Card Number

Discussion in 'iOS 8' started by v871305, Mar 26, 2015.

  1. v871305 macrumors member

    Joined:
    May 30, 2014
    Location:
    The Last Shangri-La
    #1
    Not sure if this has been mentioned/seen before but anyways.

    I recently had to cancel a Chase credit card because of fraudulent activity. This was the default card for my ApplePay. Anyway, I called Chase around midnight and cancelled it and they said they would send me a new one in the mail in a week or so. I never update or remove the card from ApplePay.

    The next day, I am at the drugstore and use ApplePay, works without a problem, but I see that its the card I cancelled. I ask the cashier if it went through and they said "yep, you're good". As I'm walking out of the store, I get a notification from Passbook that says "your Chase card is ready to use" which I find weird, so I check Passbook and the last 4 digits of the card have changed (at this point I don't even know what my card number is since I haven't got it in the mail, so I don't really know if this is the right card or just some glitch).

    I get home, log on to my Chase account and see that the last 4 digits match. So I left it be to see if the pending charge would go through (it did a few days later). I got my card in the mail today and the last 4 digits match.

    I'm not saying its good or bad that ApplePay autoupdates the card number. I was under the impression that each card would have to be manually added (take picture then confirm etc) but maybe it just syncs with the Chase app?

    Anyone had this experience before? If not, hopefully someone can shine a light on why/how it happens? I have no problems with it really, just curious about how the info was obtained without me having to take a picture of the new card.
     
  2. gordon1234 macrumors 6502a

    Joined:
    Jun 23, 2010
    #2
    Doesn't surprise me. One of the big benefits of Apple Pay is that it actually integrates with your bank directly - it's not just Apple running a credit card charge through on your behalf. It would be silly if it didn't do this.
     
  3. dhlizard macrumors G4

    dhlizard

    Joined:
    Mar 16, 2009
    Location:
    The Jailbreak Community
    #3
    This is no different than the expiration date of your cards being automatically updated.
     
  4. Rigby macrumors 601

    Joined:
    Aug 5, 2008
    Location:
    San Jose, CA
    #4
    Apple Pay uses a virtual card number that is different from the physical card number but associated to the same account (you can see the last 4 digits of the virtual number on the information page of the Passbook card under "Device Account Number"). The virtual number doesn't change just because you got a new physical card, so it continues to work. The update of the last 4 digits of the physical card number that you see in Passbook is really just a "cosmetic" thing.
     
  5. Ash Pole macrumors member

    Joined:
    Mar 2, 2015
    #5
    If ever you suspect fraud, you should call your bank to suspend or remove your card from Apple Pay. Chase apparently didn't do that because you didn't specifically ask them to.
     
  6. Rigby macrumors 601

    Joined:
    Aug 5, 2008
    Location:
    San Jose, CA
    #6
    There is really no reason to remove the card from Apple Pay if the number of the physical card has been compromised. The virtual card number used by Apple Pay is different, and it is difficult to use fraudulently since it only works in combination with one-time security codes that are dynamically generated by the phone each time you use it.
     
  7. Ash Pole macrumors member

    Joined:
    Mar 2, 2015
    #7
    Actually there can be numerous reasons to remove a card from Apple Pay.
    Example: Parent sets up AP on their child's phone for college expenses. Child books a vacation to Cabo for spring break without consent from mom or dad.
    Parents then simply call the bank and remove the credit card from Apple Pay leaving their own personal cards untouched.

    By the way, 6% of all Apple Pay transactions involve fraud.
     
  8. Rigby macrumors 601

    Joined:
    Aug 5, 2008
    Location:
    San Jose, CA
    #8
    That may be so, but suspected fraud involving the physical card is not one of them.
    First, the number has never been substantiated. Second, those were cases where thieves were able to provision already stolen credit cards in Apple Pay due to some banks not properly verifying their identity. It has nothing to do with the topic of this thread.
     
  9. chrf097 macrumors 68040

    chrf097

    Joined:
    Dec 16, 2011
    #9
    Like someone above said, it integrates with Chase Bank DIRECTLY - it's not just some snapshot of your card like Wallet/Softcard. Since Chase knows "Hey, this device ID is using our customer's expired card", they have the ability to remotely update your device.

    Only the bank has the ability to do this, and it's not Apple's intervention.
     
  10. GlenK macrumors 6502a

    GlenK

    Joined:
    Aug 1, 2013
    Location:
    St. Augustine, FL
    #10
    I've had to do it because of fraud and once because I had to sign out of iCloud. Signing out of iCloud also deletes cards from Apple Pay.

    In both cases I had to re-enter the cards and call the card companies to verify.

    Is there a way to change the order your cards appear in Apple Pay? Would think your Default card comes up first but it doesn't.
     
  11. Menel, May 15, 2015
    Last edited: May 15, 2015

    Menel macrumors 603

    Menel

    Joined:
    Aug 4, 2011
    Location:
    ATL
    #11
    Chase updated my card, sent new one, routine. Did not update seamlessly and automatically.

    [​IMG]
    edit: thumbnail

    ----------


    In passbook can tap, hold, drag.
     
  12. GlenK macrumors 6502a

    GlenK

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    St. Augustine, FL
    #12
    Great!! Thanks for the tip.. been driving me crazy!!!
     
  13. caesarp macrumors 6502a

    Joined:
    Sep 30, 2012
    #13
    What about card art work?

    I got a replacement for my US Airways MasterCard -- now called AA Advantage, cause they were bought by American Airlines. The card looks entirely different.

    But the picture of the card didn't update in Apple Pay. It still shows the old type of card. Shouldn't the picture update automatically?

    I even tried removing the old card and adding the new one manually (had to call the bank to verify my identity again). Old artwork from old card still remains. Will the new artwork (if they ever get it in apple pay), update automatically?
     
  14. GlenK macrumors 6502a

    GlenK

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    Aug 1, 2013
    Location:
    St. Augustine, FL
    #14
    For BOA customers verification now has an email option. A few months ago you had to call them to verify but thankfully they changed.
     
  15. C DM macrumors Westmere

    Joined:
    Oct 17, 2011
    #15
    Probably whenever the bank decides to update that.
     
  16. newellj macrumors 601

    Joined:
    Oct 15, 2014
    Location:
    Boston, MA, US
    #16
    I had a Citi MasterCard stolen. The card information auto-updated, which was great. The picture didn't change, but (1) that doesn't seem like a big deal to me and (2) is almost certainly a Citi issue rather than an Apple issue.
     
  17. Sonmi451 Suspended

    Joined:
    Aug 28, 2014
    Location:
    Tesla
    #17
    Just reported a lost credit card - was about to remove it from Apple Pay when I realized it was a new number. Looks like Apple Pay auto updated to the new card number before I even had the card. Pretty f'in cool!
     
  18. Dirti macrumors newbie

    Dirti

    Joined:
    Apr 26, 2017
    #18
    --- Post Merged, Apr 26, 2017 ---
    THIS JUST HAPPENED TO ME TODAY! I just got my new card. Had to cancel for the same reasons as you and i looked in my phone and it was already there... cool amd wierd
     

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