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Most credit card issuers advise customers to notify them before international travel. One of my cards - I can’t recall which one - offers a travel-notification option right in the bank’s mobile app.

Edit: it’s my Citi Double Cash card
[doublepost=1564957387][/doublepost]Just checked my US Bank Cash + and it has a travel-notification option, too

Sorry, should have indicated Japan was in 2002-ish, no things like apps or app/text notifications; they would just block and have to call to unblock. And I had been using that car for international travel since 1992, and even posted in Europe for 5 years by that point, had been to japan before w no problem. My guess is they had a new system.

Scotland was 2013, had iPhone but don’t recall if the card that was blocked (possibly AMEX) had today’s app/notification features.
 
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There are plenty of organizations that deserve and need your support. Apple (or any for profit corporation to that matter) is not one of those.

And I don’t need you to tell me what organizations I should support, besides I’m not limited to supporting just one organization.
 
I use my credit cards for everything I can in the UK, Amex Cashback Card 95% of the time and Mastercard 5% of the time whereby the odd retailer doesn't accept Amex.

Think I have about £7 in cash in my wallet for car parking etc but even those are going digital with pay via phone or contactless. My debit card rarely ever gets used, maybe twice a year.

Balance on both credit cards is paid in full every month so no interest and I get the cashback rewards, why on earth would you not use a credit card for every day spending unless you couldn't get one due to poor credit?

Will probably see how much I have spent in the last 12 months on the Amex and see if I would benefit from getting the Apple one, otherwise its not worth the bother as I have never had an issue with Amex.

Credit cards with are not 0% APR are a poor choice if you actually need credit to buy something, a loan will be far cheaper. In the UK most banks are doing £5000 loans for 3.4% APR which is much less than a credit card.
 
This is another Apple product that I'm NOT excited about. My titanium Amazon Prime Visa suits me fine. Not sure why I would need to get an Apple branded card. As a shareholder, I'm glad Apple is doing something at all rather than just riding the iPhone wave all the way to the shore.

Maybe I'm missing something, but the Amazon card I have gets me 1% at most places. If I pay via Apple Pay the Apple Card gets me 2%. That's twice the rewards.
 
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all the information the retailers need is the chip or magnetic strip... nobody reads cc numbers unless you are doing it for online purchases or someone is trying to steal your info... its 2019 folks... if someone wants to imprint your card on carbon paper godspeed...
 
To be fair, it’s unlikely the issuing banks would pass on the cost savings from eliminating cash back offers by reducing merchant fees. And even more unlikely that reduced merchant fees would be passed on to the customers as price reductions.

So, who is paying the bill, certainly not the banks, fees get higher, it's invisible to the customer.

It’s ok, just go on railing against it while the rest of us recover that scam margin. (You’re making the scammers richer. LoL.)

As above, someone pays the bill, there's no such thing as free money.
 
No one getting the Apple Card cares about what other cards offer lmao or they already know what other cards offer. How do you guys not understand that?

If someone wants the Apple Card because of the “cool factor” so what? Literally no fees, nice integration with Wallet, easy to generate a new card number, daily cashback and 3% back at Apple.

You only have 1 life to live. I hope getting an Apple Card doesn’t shatter your soul and cause you to lose sleep at night......

No. It’s a quick cash play by Apple and Goldman sachs. Too much competition in this card market.

They try to target affluent audience. And it’s simply not enough perks.

The ones who thinks it’s cool apple really doesn’t want as a customer. High default rates from those people. They can collect all the interest they want but they will default on those accounts.

So they need affluent clients to swipe more and make money on swipe fees rather than interest.
 
So, who is paying the bill, certainly not the banks, fees get higher, it's invisible to the customer.



As above, someone pays the bill, there's no such thing as free money.

People who pay fees and interest pay the bill. Which goes back to the point I made before - someone here said cash back is a scam. No it's not. To the extent that cash back raises retail prices, you pay those whether or not you get a cash back card.

So, if you are going to pay your balance each month and not pay any other credit card fees, you may as well get a card that gives you cash back. It is free money TO YOU. Yes, someone else pays for it, but so what?
 
I'm excited about giving out the physical titanium card to pay for something, not because of status or because it looks cool or anything like that, but from an experimental standpoint to see of how people will react. Wit will be interesting to see to see how cashiers, waiters and other employees in charge of processing a payment take a card with nothing but a name on it. Especially outside the US, and more especially in corrupted developing countries where people tend to be more distrusting. I'm sure it will be rejected more than once until card issuers start issuing other cards without information printed on them and everyone gets used to such cards.

BTW the 2% cash back is only when using Apple Pay to buy anything other than Apple's products, whereas on Apple products the cash back is 3% (the general idea is to stimulate the use of the iPhone/Apple Watch whenever possible). At restaurants, when you give the titanium card to pay, that will be only 1% cash back.

What about those cashiers that ask for your card to verify the number on it? I’ve had a few of those. I’d be curious to see what they do.
 
What about those cashiers that ask for your card to verify the number on it? I’ve had a few of those. I’d be curious to see what they do.

Not sure what you are talking about - i've never seen a cashier "verify the number" unless the machine was unable to read it. They may verify the signature, but never the number.
 
What about those cashiers that ask for your card to verify the number on it? I’ve had a few of those. I’d be curious to see what they do.
That’s exactly what I was talking about.
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Not sure what you are talking about - i've never seen a cashier "verify the number" unless the machine was unable to read it. They may verify the signature, but never the number.
Same thing. The Apple Card doesn’t have a signature panel either, so what would a cashier wishing to verify a signature do? probably reject it.
 
I use my credit cards for everything I can in the UK, Amex Cashback Card 95% of the time and Mastercard 5% of the time whereby the odd retailer doesn't accept Amex.

Think I have about £7 in cash in my wallet for car parking etc but even those are going digital with pay via phone or contactless. My debit card rarely ever gets used, maybe twice a year.

Balance on both credit cards is paid in full every month so no interest and I get the cashback rewards, why on earth would you not use a credit card for every day spending unless you couldn't get one due to poor credit?

Will probably see how much I have spent in the last 12 months on the Amex and see if I would benefit from getting the Apple one, otherwise its not worth the bother as I have never had an issue with Amex.

Credit cards with are not 0% APR are a poor choice if you actually need credit to buy something, a loan will be far cheaper. In the UK most banks are doing £5000 loans for 3.4% APR which is much less than a credit card.

I misread your statement. For a second there I thought your Amex gave you 95% cash back. Lol
 
So with this agreement being made available Friday, does anyone want to speculate on the release date, other than "first half of August"?

Usually the beta iOS comes out today or tomorrow. Even though the functionality is already there, does anyone expect it to release at the same time as a beta?
 
No. It’s a quick cash play by Apple and Goldman sachs. Too much competition in this card market.

They try to target affluent audience. And it’s simply not enough perks.

The ones who thinks it’s cool apple really doesn’t want as a customer. High default rates from those people. They can collect all the interest they want but they will default on those accounts.

So they need affluent clients to swipe more and make money on swipe fees rather than interest.

What question in my post is your “No.” in response to? I didn’t really ask a question that warrants that answer...

Apple targets EVERYONE whether they’re affluent or not. They want everyone to use their products and services.

Affluent people may not get this credit card, but best believe they’re using Apple’s other products and services.

Honestly your post doesn’t make too much sense to me Lol, but I tried to respond as best as I could... I hope you understand.
 
So with this agreement being made available Friday, does anyone want to speculate on the release date, other than "first half of August"?

Usually the beta iOS comes out today or tomorrow. Even though the functionality is already there, does anyone expect it to release at the same time as a beta?
Actually the official statement by Cook was simply ‘August’. The ‘first half’ part is merely speculation by some media outlets. For all we know, with such a vague reference as ‘August’ that might as well be August 31st at 11:59 pm as someone sarcastically suggested.
 
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People who pay fees and interest pay the bill. Which goes back to the point I made before - someone here said cash back is a scam. No it's not. To the extent that cash back raises retail prices, you pay those whether or not you get a cash back card.

So, if you are going to pay your balance each month and not pay any other credit card fees, you may as well get a card that gives you cash back. It is free money TO YOU. Yes, someone else pays for it, but so what?

Here's an interesting thought experiment: if the US could have 100% Apple Pay/NFC adoption but had to give up credit card rewards (thanks to interchange being capped to at least EU levels, if not banned altogether), would that be an acceptable trade?

(Note: I'm aware that interchange isn't the only reason for some merchants holding out, but I suspect it's a significant one thanks to articles like this.)
 
That’s exactly what I was talking about.
[doublepost=1565021347][/doublepost]
Same thing. The Apple Card doesn’t have a signature panel either, so what would a cashier wishing to verify a signature do? probably reject it.

In the U.S. signatures are no longer required (probably other places too), so it's moot.
 
People who pay fees and interest pay the bill. Which goes back to the point I made before - someone here said cash back is a scam. No it's not. To the extent that cash back raises retail prices, you pay those whether or not you get a cash back card.

So, if you are going to pay your balance each month and not pay any other credit card fees, you may as well get a card that gives you cash back. It is free money TO YOU. Yes, someone else pays for it, but so what?

So, there you have it, cashback raises prices, I wasn't wrong, someone has to pay for it, if cashback didn't exist everybody would be cheaper off, that was my point.

Cashback is almost non-existent where I live.(NL)
 
So, there you have it, cashback raises prices, I wasn't wrong, someone has to pay for it, if cashback didn't exist everybody would be cheaper off, that was my point.

Cashback is almost non-existent where I live.(NL)

By comment isn’t proof that it raises prices. That’s what “even if” meant.

Whether everything would be cheaper is not clear - there is lots of evidence that, for example, lower merchant fees on credit card networks are NOT passed along to consumers in the form of lower prices.
 
Consumer protections.

That’s actually a really good point. If you get hit with a fraudulent debit card transaction that the bank doesn’t catch and contact you about then that money is gone. You can still dispute it but in the interim that money is gone. If you dispute a credit card transaction it’s frozen until the investigation is complete and your not liable to pay until the investigation and any appeals are complete. Good call on that one!!!
 
So, there you have it, cashback raises prices, I wasn't wrong, someone has to pay for it, if cashback didn't exist everybody would be cheaper off, that was my point.

Cashback is almost non-existent where I live.(NL)

Your blaming “cashback” seemingly betrays an ignorance about how the whole idea of cashback developed.

Generally, not specifically, or in every case:

Charge and credit cards and their associated xaction fees have been around fo more than 50 years, for most of that time these fees have been baked in.

For less than half that time have there been cashback cards.

As cards proliferated from banks to credit unions to cobranded merchant cards, and became increasingly popular, the competition to acquire and retain a customer or cardholder looked for innovative methods to do this some offered restrictive closed-system points, others cut through this by eliminating cumbersome point redemption programs and offering time/amount restricted cash rewards, and finally near immediate direct cash to customer rewards.

A credit card like the Apple Card, properly used (like any other), ie balanced paid of when due, is not only more secure than all other forms of payment, but allows a user to recover a large portion of the xaction fees.

In addition users benefit from supplemental programs like warranty extensions, travel protections, car rental insurance, etc., as well as providing a positive data point input to an individual’s FICO score, where high FICO is beneficial for cheaper mortgages, car loans, insurance rates, and job candidate evaluation (ie higher FICO means lower risk premium for borrowers and acts as a proxy for more reliable employees.)

Anybody acting as a credit card Luddite viewing them through the narrow lens of paying at the til or smearing the smart home finance move of capturing the largest part of the transaction fees via cashback (as opposed to avoiding card use and letting merchants keep the fee margin) has some self defeating ideas.
 
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