The interest rate on the card is heinous - and instant cash back seems like an instant cash loan scheme. ugh.
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Everything Apple Announced at Today's 'It's Show Time' Event in 6 Minutes
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The interest rate on the card is heinous - and instant cash back seems like an instant cash loan scheme. ugh.
Aspects of the card are fascinating. The daily cash. The app. No fees. This will attract the masses. However the rewards are disappointing. Apple could’ve launched with much better and then reign them in later. There’s also iTunes to mess with and they certainly have room given the gift card discounts that frequently pop up.
I may end up getting one anyways. It’s like airpods. You’re not getting those for sound quality. It’s the neat features and convenience. This card you’re not getting for rewards but the neat features and app experience.
This is the kind of thing you should like seeing Apple do. Disrupting. Or attempting to. I’d love to see them disrupt healthcare. Insurance. IDs. Internet providers. But focus overall on hardware/software.
Why would you even care? No one should be paying interest on credit cards but that’s another topic. Lol
No fees.
Not even the hidden ones.
And our goal with Apple Card is to provide interest rates that are among the lowest in the industry.*
*Variable APRs range from 13.24% to 24.24% based on creditworthiness. Late or missed payments will result in additional interest accumulating toward your balance.
Is Apple just talking about interest being higher because you didn't pay some off, or because they hike your interest rate because of lower creditworthiness? Because that would be worse than a fee, a punishment that goes on and on.
Not even the hidden ones.
And our goal with Apple Card is to provide interest rates that are among the lowest in the industry.*
*Variable APRs range from 13.24% to 24.24% based on creditworthiness. Late or missed payments will result in additional interest accumulating toward your balance.
Is Apple just talking about interest being higher because you didn't pay some off, or because they hike your interest rate because of lower creditworthiness? Because that would be worse than a fee, a punishment that goes on and on.
I do know that, just look at the softies at the keynote and the reports of Tim being on the set of shows dictating how content should be. It'll be a mess.
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Lots of credit cards already offer no fee cashback. The variable APR on this Apple Card is pretty bad, up to 24% depending on credit score? That's not progress.
That's exactly my path. One by one, i replaced every Apple hardware i used to work with. The love is just not there anymore, and it's obvious to eveyone. Only the iphone SE now, and i'm out the ecosystem. It started with the departure of Time Capsule and Aperture: it was really the end of an era. Two symbolical products, integrated hardware and a unique software that could alone drive sales to the platform. Still i feel a deep sadness observing what Apple have become, but that's life. Nothing is eternal, even less so a tech company.
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Pretty poor really. A few reasons, in my opinion.
The News+ is fundamentally the Texture magazine subscription service with a few additional bells and whistles. Not for me, but hardly revolutionary and may main disappointment is that the launch is US and Canada only. I appreciate the complexity of overseas publishing rights, but with all the financial resources that Apple has, it does a poor job of worldwide service launches.
The Card is the only item announcement that I was potentially interested in, but again only a US Launch was announced.
Arcade and TV+, I don't know why they announced them now, as they are not going to launch until 'The Fall', would have been better to have delayed the announcement until closer to the time, pricing has not been announced for either, so we will need to wait and see. Presentation of TV+ shows I thought was particularly poor with groups of celebrities being wheeled on stage, with significant pauses while we waited in the dark and full of cringe moments like Tim with a tear in his eye when he hugged Oprah.
In summary two hours of my life I am not going to get back with nothing relevant for UK launch until at least fall this year. Kind of wish they had pre- warned the world - Don't bother watching unless you live in the USA or Canada. Before someone quotes me and says 'Apple is a US company', Yes I understand that, but with it's global reach it needs to think more globally.
The News+ is fundamentally the Texture magazine subscription service with a few additional bells and whistles. Not for me, but hardly revolutionary and may main disappointment is that the launch is US and Canada only. I appreciate the complexity of overseas publishing rights, but with all the financial resources that Apple has, it does a poor job of worldwide service launches.
The Card is the only item announcement that I was potentially interested in, but again only a US Launch was announced.
Arcade and TV+, I don't know why they announced them now, as they are not going to launch until 'The Fall', would have been better to have delayed the announcement until closer to the time, pricing has not been announced for either, so we will need to wait and see. Presentation of TV+ shows I thought was particularly poor with groups of celebrities being wheeled on stage, with significant pauses while we waited in the dark and full of cringe moments like Tim with a tear in his eye when he hugged Oprah.
In summary two hours of my life I am not going to get back with nothing relevant for UK launch until at least fall this year. Kind of wish they had pre- warned the world - Don't bother watching unless you live in the USA or Canada. Before someone quotes me and says 'Apple is a US company', Yes I understand that, but with it's global reach it needs to think more globally.
When engineers and product designers run out of ideas and innovations, they create boring services and bring celebrity guests stars.
No argument there. Point is some people will absolutely carry a balance and Apple is going after them just as bad as the current companies.
Here's my take on everything announced:
- News/News+:
- I was glad that news is finally being released in Canada. I'd love to have one stop for accessing local news when I want it, instead of browsing the various local paper/radio sites.
- Gave it a first try last night, 2 out of the 3 articles I clicked on in the 'News' side wanted me to pay $12.99 (Cdn)/month to read it. No thanks, probably won't be back if they can't identify and separate the paid content from the standard articles I can find around the web.
- Apple Card:
- They touted how Apple Pay is available at way more places internationally than in the US. Then released an Apple Pay Card, that's only good in the US.
- Rewards wise it's decent, not superior, but at least on par with most cards here. I might be tempted for the lack of international fees.
- But my real take away, reading between the lines, is that Apple Pay is suffering. This seems like a "Not enough people use Apple Pay! How can we boost that? I know, lets release a credit card that forces people to use Apple Pay!" ploy.
- They touted how Apple Pay is available at way more places internationally than in the US. Then released an Apple Pay Card, that's only good in the US.
- Arcade+:
- You want me to pay monthly, to get games that I might buy once a year? No thanks.
- Apple TV Channels:
- You've just made the Apple TV app even more convoluted, and harder to sort through what I own vs what you want me to pay for extra for. This is going to make it even harder to get my family on-board with cutting the cord and using the TV app for sourcing whatever content we can already access among the services we have.
- You still haven't solved my "how can you maintain a clean list of your favourites" (https://forums.macrumors.com/threads/any-way-to-favourite-your-tv-shows.2171499/) issue.
- Aside from making it easier for my family to accidentally start costing me more money with easier signing up for subscriptions, you haven't really brought anything new.
- Apple TV app on Roku:
- I was initially excited to hear this, but then realized I'm probably hyping myself up too much. I doubt this will let my kids access the Digital Copies we have via Home Sharing on the TV with the Roku like we do with the TV that has our Apple TV. So, I'm probably not going to bother installing it. It's not going to provide any benefit over what's already there.
- Apple TV+:
- My takeaway is that the only thing available on their + service is going to be their original content. I doubt we're going to want that enough to bother paying for it. If it was done like Apple Music and meant a monthly fee lets us access their entire library of tv shows/movies, then I might have taken a look at it, but for just their original content? It'd be a hard sell, we have enough available to us elsewhere.
- Despite their claims of "100+ countries" I doubt it's coming here anyways, due to the CRTC's regulations mandating "Canadian Made" content. I've mentioned it in other threads, but unless they start producing shows up here, they won't even be allowed to give it away for free, despite having exclusive rights to their content.
Worse than that Apple is partnering with Goldman Sachs. The same company that DEFRAUDED THOUSANDS OF CUSTOMERS in 2008 FINANCIAL DEBACLE. IT IS RIDICULOUS, THAT APPLE IS PARTNERING AND TRUSTING A FRAUDULENT COMPANY WITH ALL OUR CREDIT INFORMATION.
This clearly shows how much Tim Cook has destroyed Apple's vision.
I think at some point Apple is going to have to rethink their release schedules across the board. It WAS refreshing to have hardware releases last week, we new many of them were coming, they were announced and we could order. It especially made sense for some of the less than monumental refreshes.
Software overhauls such as iOS(...) and macOS(...) are generally announced well before there release and the general population doesn’t mind waiting a few months for the software to be pushed to the masses.
The announcements yesterday, whether you were underwhelmed or not, make no sense to wait til the fall to release across the board. Some may say it has to do with competing with traditional fall program releases in the TV and movie industry but this is coming from a software company. I enjoy the fact that entire seasons of programming are now released in one day by online streamers. We were finally moving away from all of the traditional models that make TV suck.
I was definitely interested in some of the shows and movies that were “announced” yesterday but in six months the competition will have a ton of new media for me to consume. There are only so many hours in the day. Apple should have used this opportunity to catch people while their interests were peaked. Why put Spielberg and Oprah on a stage and say... see you in the fall.?
Apple has been playing catch up to their releases far too long.. AirPower being a prime example. It feels
Like Apple engineers find out about these things while sitting in the audience straight from Tim Cook’s mouth right before he has them stand up...
Software overhauls such as iOS(...) and macOS(...) are generally announced well before there release and the general population doesn’t mind waiting a few months for the software to be pushed to the masses.
The announcements yesterday, whether you were underwhelmed or not, make no sense to wait til the fall to release across the board. Some may say it has to do with competing with traditional fall program releases in the TV and movie industry but this is coming from a software company. I enjoy the fact that entire seasons of programming are now released in one day by online streamers. We were finally moving away from all of the traditional models that make TV suck.
I was definitely interested in some of the shows and movies that were “announced” yesterday but in six months the competition will have a ton of new media for me to consume. There are only so many hours in the day. Apple should have used this opportunity to catch people while their interests were peaked. Why put Spielberg and Oprah on a stage and say... see you in the fall.?
Apple has been playing catch up to their releases far too long.. AirPower being a prime example. It feels
Like Apple engineers find out about these things while sitting in the audience straight from Tim Cook’s mouth right before he has them stand up...
It is showtime....coming soon or sometime this fall....or maybe not at all..........not much of an announcement.
The news, arcade and card are hardly worth talking about. I like all of them but think the news app will wither away later from neglect as apple is prone to do.
Apple spent over a billion on video content and that's the primary reason for this event. Apple is scrambling because this is plan C or D, or maybe Z. It's the latest in a series of failures on this front. 1. They didn't buy netflix when they could. Apple has had cash to burn for years. 2. They couldn't get content makers on board for their youtube tv like service and quickly abandoned it. 3. They're scrambling to get subscription channels which everyone else has already done. It doesn't help them much at all and doesn't enhance their own content, or app in any way.
And 4. They decided to do this ATV+ mess. No windows app. No android. It's iOS, a few streaming boxes, and new smart tv's. They decided to COMPETE with netflix instead of buying them when they were cheap. That's not simple to do at all and will hurt trying to grow subs. Netflix pays billions for shows too. Apple will have to outbid them which means more of a loss. Apple isn't willing throw its war chest at this. A pulling strings approach cannot compete with netflix.
Apple spent over a billion on video content and that's the primary reason for this event. Apple is scrambling because this is plan C or D, or maybe Z. It's the latest in a series of failures on this front. 1. They didn't buy netflix when they could. Apple has had cash to burn for years. 2. They couldn't get content makers on board for their youtube tv like service and quickly abandoned it. 3. They're scrambling to get subscription channels which everyone else has already done. It doesn't help them much at all and doesn't enhance their own content, or app in any way.
And 4. They decided to do this ATV+ mess. No windows app. No android. It's iOS, a few streaming boxes, and new smart tv's. They decided to COMPETE with netflix instead of buying them when they were cheap. That's not simple to do at all and will hurt trying to grow subs. Netflix pays billions for shows too. Apple will have to outbid them which means more of a loss. Apple isn't willing throw its war chest at this. A pulling strings approach cannot compete with netflix.
Perhaps tv+ is just Cook's implementation of The Producers tax scam now that he's not allowed to use offshore havens.
A couple of lines stand out to me.
1. The arcade thing where she mentions users LOVE freemium games. Seemed like an odd thing to say prior to focusing on a service that smacks freemium in the face.
2. During the atv thing he mentions you can have it all with a cable bundle and that’s great. If you want it all there’s no better way he said. Umm. Isn’t that the thing they’re trying to disrupt?
1. The arcade thing where she mentions users LOVE freemium games. Seemed like an odd thing to say prior to focusing on a service that smacks freemium in the face.
2. During the atv thing he mentions you can have it all with a cable bundle and that’s great. If you want it all there’s no better way he said. Umm. Isn’t that the thing they’re trying to disrupt?
People have been saying they need something to curb falling hardware sales, so they came out with services. I don't know what Apple is doing in the credit card business, but if they have a hook-up then why not. The Arcade and TV services seem like a good idea and could provide a new revenue stream which I think they can make work.
They're branching out and all we can hope for is that this will provide them with enough funding to continue making great products and be able to take a few more risks when developing new and innovative products; not just manage the bottom line.
They're branching out and all we can hope for is that this will provide them with enough funding to continue making great products and be able to take a few more risks when developing new and innovative products; not just manage the bottom line.
Microsoft services are enterprise tools for business and development.
Apple services are a scattershot of consumery distractions.
Think back to Steve Jobs saying “the Mac is a bicycle for the mind”:
- Do these Apple services give you any new abilities to create something?
- Is it anything new that isn’t being done elsewhere?
- Is Apple doing anything significantly better, like they did the iPod and iPhone?
Apple isn’t exactly hurting for funding. Lol. Apple feels pressure to please Wall Street with continued growth. This won’t help that given Apple is over a billion in the hole already on video content. It’ll take years to recoup that if ever. Apple will struggle getting subs especially given how mismanaged they’ve been all along in this particular area.
Best thing was the Card - but this has to be the worst keynote I've seen - worse than the spring break event where they just announced new watch bands.