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Gurman: iOS 17 Wallet App May Show Additional Credit Card Balances
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Nah. I don't want my Apple Wallet and Notification Center constantly reminding me of my credit card balance.
It would be a constant reminder that I'm over-spending like the US Government, and there is no debt ceiling.
This would be convenient, but you would then be giving up a lot of financial data to Apple, for the convenience of having it aggregated in Wallet. For some that may be a fair trade.
It's similar to Mint in that way, to have it become a budgeting tool in many ways. The bad part about Mint that I've always disliked is that they require you to give them your username/pw for your banking apps and credit cards. I know many people who will only add credit cards, to avoid giving them your primary bank login details.
If Apple could get permission from the large US banks / credit card issuers to collate this data into the Wallet app, that would be convenient. As Apple gets more into financial services, the financial data (even if aggregated) would be incredible valuable for Apple. I wonder what Apple would need to give for other US card issuers to give them that data, unless similar to Mint, you'd have to give Apple your login information for the credit card. For those whose primary credit cards are issued by their primary bank (eg. Chase Sapphire cards while primary Chase banking), you'd have to consider giving Apple your Chase login. Same with Citi or Bank of America cards.
Hopefully if Apple does this, they won't require login information, and just some sort of verification at the beginning.
It's similar to Mint in that way, to have it become a budgeting tool in many ways. The bad part about Mint that I've always disliked is that they require you to give them your username/pw for your banking apps and credit cards. I know many people who will only add credit cards, to avoid giving them your primary bank login details.
If Apple could get permission from the large US banks / credit card issuers to collate this data into the Wallet app, that would be convenient. As Apple gets more into financial services, the financial data (even if aggregated) would be incredible valuable for Apple. I wonder what Apple would need to give for other US card issuers to give them that data, unless similar to Mint, you'd have to give Apple your login information for the credit card. For those whose primary credit cards are issued by their primary bank (eg. Chase Sapphire cards while primary Chase banking), you'd have to consider giving Apple your Chase login. Same with Citi or Bank of America cards.
Hopefully if Apple does this, they won't require login information, and just some sort of verification at the beginning.
That is generally how things work. Thats how it ALWAYS was with Steve Jobs. Under Cook, he instantly made budget cuts and understaffed positions. After that, it led to reports of "won't be available on launch as there is a delay" articles coming out. After doing this for 4 years, it became the new standard. And now that new standard has someone like you falling for that new norm. Congratulations.
You guys: “iOS has too many bugs, they should slow down and spend more time on things.”
Also you guys: “All features need to be released on day one of a major version release.”
Also you guys: “All features need to be released on day one of a major version release.”
Not sure what's so funny about that. Apple already has an API to communicate with the banks (required to provision the card in Apple Pay), so this would just be one more step. I don't think my account balances are any of Apple's business.
What I'd really like to see for other cards is the transaction list showing non-Apple Pay transactions. It would be so cool to be able to transactions on a card without having to use my banks' apps. This only works with Apple Card now (because Apple controls the API and has direct access to transaction history) but it'd be so cool to see it on the others.
I kind of doubt they're going to do this as it removes an advantage Apple Card has over the competition, but we can dream right?
I kind of doubt they're going to do this as it removes an advantage Apple Card has over the competition, but we can dream right?
Two things the wallet app badly needs:
1. Getting rid of the “stacking” UI
2. Labeling cards
Re 1, the current “swipe to go through your cards” UI is just terrible. You can’t see what’s in your stack and you have to reveal them one by one.
Why choose to mimic a real-world problem of dealing with a stack of cards digitally, instead of laying out your cards in a grid with option to move them around, based on how often you use them?
Re. 2 my debit cards for some reason get assigned a number by Apple not corresponding to the actual card number. Since my debit cards are from the same bank, I have no idea which cards I select (my company or me personally) when paying. All cards have the same design with a seemingly random number on them that confuse me.
Just allow us to create our own card name / label so we can quickly look up the card by “personal”, “family card”, “business” etc…
Perhaps even enhance it with light design styling options.
1. Getting rid of the “stacking” UI
2. Labeling cards
Re 1, the current “swipe to go through your cards” UI is just terrible. You can’t see what’s in your stack and you have to reveal them one by one.
Why choose to mimic a real-world problem of dealing with a stack of cards digitally, instead of laying out your cards in a grid with option to move them around, based on how often you use them?
Re. 2 my debit cards for some reason get assigned a number by Apple not corresponding to the actual card number. Since my debit cards are from the same bank, I have no idea which cards I select (my company or me personally) when paying. All cards have the same design with a seemingly random number on them that confuse me.
Just allow us to create our own card name / label so we can quickly look up the card by “personal”, “family card”, “business” etc…
Perhaps even enhance it with light design styling options.
Ohhh this would be awesome!! I’ve been wanting this. But I hope that they don’t add all this nice stuff without bringing the app to the iPad!
Edited to add that I really hope this works with debit cards too.
Edited to add that I really hope this works with debit cards too.
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First, why do you think that even if this were implemented without your consent, that Apple would implement it in a way that they would have the data? Everything they do is designed to make sure they do not have your data, so this would almost certainly be implemented on device, ensuring they do not have it. Second, Apple constantly asks if you are ok sharing your location data, etc. with apps, even their own. What is funny is not that this could be done using existing API’s but that you think Apple would do it without asking you and giving themselves access to you data. I would expect them to ask permission before they did it, but I would be shocked if they gave themselves access. Just as they do not give themselves access to your health and workout data, this is likely to be the same.
Say what, now? The website only offers PDF, but exporting (to CSV, QFX, OFX, & QBO) has been available in the Wallet app almost from day one (I recall it was barely 2 months after the Card itself debuted in 2019); I just AirDrop the file to my Mac and import.
How-to: Just tap Card Balance, open a statement, and you get the Export Transactions button. HTH.
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Ah yes but American Express has been doing it for years and still does, even before there was such thing as Apple Card.
Yes but text and email are clunky. I want it all like my Apple Card is.
Completely agree! The Apple Card is so convenient and offers so many easy to see features I find myself using it it the most. It’s a decent card regardless of those features but even without the benefits of using the card I’d probably keep it for the convenience alone.
Correction, "available in the U.S. forever (probably)". Many of apple's other financial services still haven't even made it to Canada let alone around the world, products such as the apple card and Apple Cash. My skpeticism aside, realistically this one might be the exception and make its way outside of U.S. as it doesnt seem like a new feature entirely.
I download my credit card transactions automatically in Quicken, sometimes on a daily basis. All of my credit cards have supported this for decades, except Apple Card.
Financial management with Apple has always been substandard. Compare order search capabilities in Amazoin vs Apple. For different types of purchases (apps vs hardware) you have to go to different places. Not so with Amazon.
I hope you are right. In some ways Apple Pay is already less transparent with regard to privacy than usual. For example, when you provision a card in Apple Pay, Apple sends quite a bit of information (e.g. the currently active phone number and information about your Apple account history) to the bank without making it very clear to the user. I was recently surprised when I noticed that a mobile number I never gave to my bank (and generally don't give to many people) suddenly showed up in the information that the bank added to my credit report, i.e. is now available to the credit bureaus who aren't exactly known for good privacy. The only way this could have happened is that the bank got the number when I added a card to Apple Pay on that phone.
Anyway, Apple potentially getting access to information about my bank account feels like it's crossing a threshold to me.