Now you see the benefit of not listing the cards, but only referencing the video. Most people will not bother to watch it, but may assume the point is valid.
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JCPenney Removes Apple Pay Support From Its Retail Stores and Mobile App [Updated]
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Now you see the benefit of not listing the cards, but only referencing the video. Most people will not bother to watch it, but may assume the point is valid.
Yep. That's what I ended up suspecting and made the time to listen to the video.
As for the Citi DoubleCash, you give a good rundown of the key aspects of the card. That's my primary go-to card for most transactions except where a specialty card or quarterly-bonus-cashback card is a better choice.
There is a difference between the number of stores and the location of said stores.
The nearest Kohl's is over an hour drive from my location. There isn't anything they carry that is worth the drive.
A JC Penny (and a Goody's) is 7 minutes away.
As a point/mile hacker, I find your two statements an interesting contrast. You spend energy tracking bonuses and reward categories, but it is too much of a hassle to add your most common cards to Apple Pay (a quick one time task that speeds every transaction where it is used and sometimes offers other bonuses, not to mention online payment security benefits).
I have a few added for online use. I mostly use it with chase sapphire for purchases I don’t care about or want to speed up check out.
You never know how a merchant will code an Apple Pay purchase. For example I’m not buying a 1000 in gift cards with Apple Pay. (Which I do for amazon, or for a cruise). I haven’t really noticed too many spectacular deals using Apple Pay besides the Discover one a few years back. 20-22 percent off if I remember right.
As some have said Apple Pay is ok if the cashier doesn’t give you problems. I’ve just never really cared enough to use it after the discover deal.
Because, ‘merica.
This sort of nonsense doens’t happen in Australia because we’ve been using contactless (PayPass & PayWave) for almost a decade, and Apple Pay is simply a (better) version of this, which works on all the same terminals - from big stores to farmers’ markets. I haven’t used cash here for over two years since I’ve had the Apple Watch with Apple Pay.
The situation in the USA is a bit of a mess. Last time I was there I used Apple Pay where I could, but many places required me to *sign* for a purchase - my card didn’t even have a signature on it (shows how often I use it), so I had to sign it first!
Canada too! Canada was using 'chip cards' for probably a decade or more before America was dragged kicking and screaming into the 20th century. I remember having a problem, in Canada, because I didn't have a 'chip card' at the time. The cashier mumbled something about 'stupid Americans', and had to actually touch my credit card and use 'an older system'. I felt like such a loser.
On the 'sign' issue, so many places STILL require me to actually sign for purchases. It's archaic, and stupid, especially with flu season gripping the area. 'I'd rather not!'...
I consulted with a business that wanted to change their 'front end processes', and also change their merchant account processor because of the sky high fees they said they were paying. At the point, they were getting quotes, and were blown away by the costs and fees from some merchant processors. Those credit card terminals are EXPENSIVE. And the support is insane. They could get 'rental' agreements, but it's like the old Bell Phones, within a year or two, you've paid for the device, and will keep paying, every month. Over and over again. They had one they were still 'paying for', that was so old the processor didn't supply that model, or offer support for it. The client was pissed. This was before Square came out, or I would have told them to just use them. *shrug*
I see so many empty commercial buildings now when I drive in New Jersey. They tend to stay empty for a long time. It will get so much worse when JCPenney, Sears, K-Mart, Macy’s and others close their stores.
Accept for the fact that Apple Pay costs nothing according to Apple's own website. JCPenny is just inept.
Yep, but Kohl’s, being the largest department store in the United State, does not count as regional (the original statement of yours to which I was replying). That does not mean they will be near you or that there is any reason you should shop there.
Your best guess is stupid because ApplePay costs merchants nothing. They get a small cut of the interchange fees paid out by the card processors (because NFC payments are more secure and have lower fraud costs). This is simply because too few people use ApplePay exclusively and it will not hurt JCP enough for them to care. As for the short window to support this new tech? They have known for almost 5 years this would be required.
I'm ok with companies that don't care about their customers going out of business.
I don’t agree with this. I’ve had thousands of transactions with my debit card from all over, and never has it been instantaneous the way Apple Pay has. Apple Pay is so fast, a lot of times I don’t even get the phone completely near the terminal and in the transaction has already been completed.
Unless Apple offers something substantial I will keep my credit card from my local bank. They aren't national, but the are the largest privately owned bank in the U.S.
So by this logic they should make it harder to use AMEX, VISA, MASTERCARD, DISCOVER? How stupid is this? Who exactly cares that Apple will put the Apple brand on a MasterCard issued and backed by a bank?
It has been two years and most merchants who accept apple pay know how to accept it. So 9 out of 10 times it is much faster and 1 in 10 times it might be about the same or a little slower, but you educate the merchant and presto. Things get better faster.
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Let me see if I can help. Visa, MasterCard etc.. charge a fee on every transaction in part to cover the cost of fraud. ApplePay is far more secure and reduces fraud enough that the processors were willing to give a small piece of that interchange fee to Apple. JCP gets charged the same (or in some cases less) for accepting ApplePay than a standard credit card swipe. So, how do we feel sorry for them and upset at Apple?
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Enjoy the next security breach! It isn't a big deal to pull your credit card but it exposes people to fraud and any company that is not willing to allow for the future of payments, probably is not doing enough to secure their payment system. This is a business decision by JCP. How much will it cost to secure our payments system vs how many customers will we loose, your attitude just allows JCP to do the wrong thing.
No, reducing security is in nobody's best interest. I get it if you fear technology, but getting to NFC payments is what needs to happen to reduce fraud and JCP is just asking it's customers to be less secure and I for one will say no.
apple gets paid by the banks not the merchants. and I believe it's 15% of the fee not the total.
Thanks! So exactly as I suspected:
Further messages here have Penney claiming a different reason for not being able to accept Apple Pay. However, a reason why many large merchants don't accept APay could really be as I said - their loss prevention department disallows transactions because the Device Account Number can't be tied to an approved bank and/or region.
sure go ahead and accuse me of making stuff up.
If the goal post at avg American credit card sure apple card isn’t bad, but there r better cards with better reward system,
https://www.valuepenguin.com/average-credit-card-debt
we americans are known for carrying a balance, thats why our banks thrives so much.
as for reward system refer to the link i posted. i doubt folks buy something from apple as frequent as grocery. so the 3 percent at apple is a moot point.
since your not getting one, thn you clearly don't fall in the category?
Ok so first! ApplePay has nothing to do with the Apple Credit card that has not yet been released.
Second, assuming that most companies are not so stupid as to stop accepting ApplePay, a no fee 2% back on everything card is about as good as exists and the rates are (when comparing 2% cash back fee free credit cards) are very good.
If you want to link out to a card offer online that is so much better, I'd love to know about it. Please include a link.
They offer 2% cash back on all Apple Pay transactions, 3% on purchases from Apple, and 1% on everything else. There is no annual fee, no foreign transaction fee, no balance transfer fee, no penalty rate, and Apple has said they will offer the lowest rate within the rate band for which a consumer qualifies. They also offer several tools to keep track of one’s spending.
Solid card offering for non-mile/points hackers. There are some better offers, especially for those who enjoy mile/point hacking (optimizing charges/cards based on rewards offers).
Upgrade your phone and keep that one for that game, or move it to an older phone, or older iPad or purchase an iPodTouch or ask the developer to update the app to 64bit.
Apple moves forward because it benefits them, it helps their developers and it helps the consumers. It does occasionally also hurt in the short term but that is what you get when rolling with apple.
It is a drag when developers stop supporting apps. I have an old iPad that I leave and never connect to the internet to keep playing one game. I would never do that on my primary iPhone because of security updates, and the inability to access newer visions of other apps (often with security updates). You might not even know you are not getting those security updates, as they might not even display if they will not run on your device.
The reason I wanted Apple Pay in the first place was because of Target getting hacked in 2014 AND 2015 and my number being one of those taken, both times. First National Bank of Omaha alerted me before it made the news and I had a new card both times within a day or two. They have point and cash back programs but I don’t use credit cards that often, the numbers stolen were Visa debit cards. The reason they have my loyalty is because I’ve been called when a large purchase has been made, to confirm that I was the one who made it- you do have to sign up for that but it doesn’t cost extra. If you’re a looking for cash back there are probably lots of better offers. I want account security. I was really happy when FNBO offered Apple Pay and who knows, now that Target accepts Apple Pay I may go back there. The last year a lot of places started accepting Apple and Google Pay so it’s becoming easier to use.