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I don't trust Apple pay
- Thread starter nouveau-apple
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I'm pretty sure Apple will have some sort of redundancy on their end. If your Internet dies, then well you can't a credit card refund either (in case you didn't know when you swipe your card, the little reader talks to the card computer via the Internet).
And if you don't have a credit card on file you can't use Apple Pay. It's like asking how do you pay the pizza guy with a credit card you don't have.
You can add a debit card or pay with cash.
I would suspect it will do exactly that.
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I am not asking you to understand nor require it.
I am making my own choice.
But you are not making sense. You said you had an identity theft incident in the past. If so, why wouldn't you embrace more security? Why would you say continuing as things were in the past (where you got burned) is better? Are you saying that you don't really feel (for some reason) that Apple Pay is more secure than the current 1960s era magnetic stripe technology? Or is it that you don't fully understand how Apple Pay works?
You are obviously entitled to your own choice, but you are not really expressing the basis for your choice other than either lack of understanding or fear based on lack of understanding. Right? And you came on the message board to express this -- no one forced you to.
Now this is logical for someone like you that had a security incident in the past: https://forums.macrumors.com/posts/20104153/
Otherwise, you are pretty much saying as a victim of a crime in the past, I'm going to continue walking down dark alleys at night, with my headphones on, while drunk and carrying a wad of cash. Why would you continue what you did before that led to the crime?
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The same way things work now with your credit card. You get to the store and you see the sign sometimes that you can't use credit cards cause the system is down. Same thing. Just pretend your phone is your credit card. Everything works exactly the same (just with more security). got it?
That's what's weird. I went through it several years ago. Didn't cost me a penny - my bank footed the bill and reimbursed the lot back to me.
Actually this isn't the thread starter -- this is the id theft victim poster, who doesn't want more security despite being a victim of ID theft in the past.
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She isn't talking about credit card fraudulent charges. She is talking about id theft, where someone uses your identity to open accounts (like store credit cards and loans) in your name and then use those accounts (not your existing credit card) to run up charges. There is a big difference. You don't even know about those accounts (cause the bills don't go to you) until you are turned down for credit somewhere and then you investigate. But what she is talking about has nothing to do with credit cards.
If you have credit card fraud (where someone uses your card to run up charges -- which you see on your bill), the bank generally pays for it all. So those people who had credit card info taken in Target or Home Depot are NOT liable for the charges. The bank issues a new card to you and eats the charges.
I don't know about you .... but I usually order pizza online and use the credit card at checkout. They don't have my credit card on "file" because i don't allow them to keep it on file.
Ok. NFC has been out for a while, I know that. But hoe many people actually use it or going to trust it on daily financial basis? NFC has been out for a while, but I would say only 2 out of 10 people use it. Just because something has been out for a while, doesn't mean it's safe. Look at icloud.
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How many times have you lost your phone? What about other people? At least now retailers can check your ID to match the card. How will retailers check ID on a phone if the phone is stolen?
Its a whole lot safer then swiping a magnetic striped credit card, its almost impossible to use US issued credit cards anywhere else in the world because of the security issues. American banks are finally being forced to upgrade to the chip cards starting next year.
Thank you for pointing that out in a respectful manner. I've edited/deleted my post accordingly.
I guess you don't understand the technology. Whether NFC is "safe" isn't a valid or pertinent question. This is because NFC is NOT transmitting your credit card information. You are ONLY transmitting a token, which is useless to hackers. Since the merchant and YOU don't even transmit your credit card data, even IF NFC isn't "safe", it doesn't matter. There can be no harm. The token only means something to the credit card issuer. And they have always had all of your information (so nothing is different there).
The transaction is verified with TouchID (your fingerprint) with Apple Pay -- that's the beauty of it! You don't have to hand your credit card or drivers' license over to some clerk who does god knows what with it. And if you lose your phone you can default back to the physical card in your wallet. And no thief or finder can use your phone to make purchases, since TouchID won't work. Got it?
I still cannot believe some think handing a stranger (often teenager) your card with a magnetic stripe containing all your data and letting them leave with it for 5 minutes and come back with is safer than Apple Pay.
I don't really care about hardware based security with the battery life being as poor as it is on these phones.
This is the exact reason the US is so far behind Canada and Europe when it comes to credit cards.
Aaaaaaaaaaand your story changes again.
How often do you walk around with a phone with a dead battery?
I know it's happened to me maybe twice in the past 5 years or so.
So carry your physical card as a back-up. If your battery is out, don't use Apple Pay. If its not, use Apple Pay if you can. Pretty obvious solution to the battery issue -- right?
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Actually, its because we were first with massive numbers of credit cards and then system became so entrenched. Then it became cheaper to pay fraud charges than to issue replacement chip/pin cards. So blame the credit card companies.
But according to him that defeats the purpose of Apple Pay because you shouldn't have to carry your physical cards because someone on the streets might mug you and take your credit cards then.
Which proves my point.
And by the way, my phone did die several times during the discussion.
Just the other day I had my iPhone and I was trying to scan it at Starbucks while it was at 2%
Sometimes especially in a low service area, the phone can, and has died at like 4 to 5 percent.
I'm not trying to make a scene, but I'm just stating the problems I've reported to Apple and potential issues for me.
Which proves my point.
And by the way, my phone did die several times during the discussion.
Just the other day I had my iPhone and I was trying to scan it at Starbucks while it was at 2%
Sometimes especially in a low service area, the phone can, and has died at like 4 to 5 percent.
You must live in a really nice neighborhood if muggings are common.
