Tomorrow, if FedEx keeps its promise (and it usually does) I will have my first smartphone: the new iPhone SE. As I think about what this new toy will be useful for, I wonder about Apple Pay. Good idea or bad idea? I'd love to get people's thoughts and opinions. Is it really more convenient than pulling my credit card out of my shirt pocket? Is it really safer than my credit card? (My bank protects me against fraud on the card, no deductible.) How well does it really work? The fingerprint ID in my iPad Pro is so wonky that I've quit using it since it generally takes 3 or 4 tries to get it to recognize my finger, and about one time out of 4 it makes me use my passcode anyway. If I have to try 3 or 4 times to get the button to recognize my finger when I try to use Apple Pay, and one out of four I end up having to get out my credit car anyway, it will be easier just to use the card in the first place. What are people's experiences with Apple Pay. Do you like it? Have you tried it and given up on it? Any and all comments, opinions, and experiences eagerly appreciated.