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Can’t say I use Apple Pay at stores as it is. Too much hassle. Not enough incentive from Apple. This Apple card on the way is a joke gesture from them.
It's a hassle to double tap the side button on your watch or the home button on your phone and then hold it near the payment equipment? The occasional look of astonishment from the cashier is the cherry on top.
 
Im amazed at how many of you sheep would rather see JC Penny go out of business then say, use cash or just swipe a physical card..... All over a stupid form of payment that benefits YOU in no way at all! Chip cards are just as secure and cash doens't need to be secure because its cash! This guy who tweeted is straight up retard.... and after reading some of these comments, im starting to question this community. o_O You literally want 95000 people to suddenly be without employment because you can't use your phone to pay and give apple their .15% cut?! The same company that will re-release another useless product in a few months and jack the price on it from the previous gen. Some of you need to grow up and reconsider some of the terrible choices you have made in your life that have brought you to this point.

JC Penny is in terrible shape. Stock prices have been plummeting, currently at $1.26. They have tried to rebrand themselves as a woman and children's store and that transition has not gone well. They have had to close over 100 stores the past year and inventory buildup has outpaced sales. They have unsold good sitting on shelves due to poor purchasing decisions (that admission from Jeffrey Davis, JCPenney's chief financial officer.). JC Penny is almost out of cash, heavily in debt and likely in an irreversible slump.

But sure, go ahead and blame Apple Pay "sheep" and the "terrible" life choices they make for the failures of JC Penny, when we all know that regardless of whether a customer uses cash, swipes a chip card or donates items for JC Penny to sell, it isn't going to change their fate.

Chip cards are nowhere near as secure as Apple pay, nor do they afford the user privacy. Apple pay generates a dynamic digital token ensuring that merchants never directly receive or have the ability to store customers credit card numbers. Also, the merchant gets no information about you or your purchase history unless you provide a phone number or loyalty card.

The latter likely the heart of the issue of why JC Penny doesn't want to accept Apple Pay. Jeffery Davis has said that JC Penny is trying to change its buying strategy and will now only chase "proven sales trends." In order to do that it needs to track every purchase its customers make and likely gather demographic info about those purchases. Apple Pay purchases won't provide the demographic info that chip card purchases will.

https://www.businessinsider.com/jcpenney-stores-closing-2019-2
 
Silly to risk dropping an expensive phone just to make simple payments that can be done with free plastic card so they're doing consumers a favor.

Risk dropping your phone? Ridiculous excuse of the day goes to you.

Apple Pay is MORE secure than tapping your card. This is why I use it instead of my actual cards. I don’t need criminals skimming my cards.
 
I disagree, apple card interest rate r high as hell and the reward system is a joke, probably only die hard apple fanboys and apple apologist would get onboard the whole titanium looking card

Interest rates are irrelevant if you don't carry a balance. Don't spend more than you can pay off and you never pay a cent in credit card interest.

Describe how the rewards system is a joke? 3% cash back at Apple, 2% cash back on any Apple Pay transaction, 1% cash back elsewhere. Seems decent enough.

Now before you ignorantly claim I'm a "fanboy", realize I don't have any intention to switch over to this Apple Card. Perfectly happy with my existing array of credit cards providing me with at least 2% cash back and sometimes up to 5%.
 
Can’t say I use Apple Pay at stores as it is. Too much hassle. Not enough incentive from Apple. This Apple card on the way is a joke gesture from them.

Security is the reason to use Apple Pay over your card.

Too much hassle? Compared to pulling out your wallet and then taking the appropriate card out to tap, then putting it all away when you’re done?
 
How can a store remove Apple Pay? It’s the same contactless tech we’ve been using for 15 yrs?

At least here in Canada, it is the same "contactless tech" same terminal etc. however to accept apple pay the payment processor (in Canada Moneris) sends a firmware to the terminal, and to remove it, same process, firmware sent to remove the option to accept that contactless.
 
Actually, the rates are on the low end of average for American credit cards. But hey, go ahead and make up stuff.
sure go ahead and accuse me of making stuff up. :rolleyes:
If the goal post at avg American credit card sure apple card isn’t bad, but there r better cards with better reward system,
Interest rates are irrelevant if you don't carry a balance. Don't spend more than you can pay off and you never pay a cent in credit card interest.

Describe how the rewards system is a joke? 3% cash back at Apple, 2% cash back on any Apple Pay transaction, 1% cash back elsewhere. Seems decent enough.

Now before you ignorantly claim I'm a "fanboy", realize I don't have any intention to switch over to this Apple Card. Perfectly happy with my existing array of credit cards providing me with at least 2% cash back and sometimes up to 5%.
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?
 
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! :D

The worst is when you use Apple Pay and then get asked an additional 5 questions before you can complete your purchase. “Would you like to donate to cancer research?” “Is this a debit purchase or credit purchase?” This is why I stopped bothering with it and just use my card. Plus most places when you ask them if they take Apple Pay they look at you like you just asked them a personal question.
 
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I’d say Apple Pay is instantaneous next to the terminal when it’s ready for almost every single transaction. Although, a chip on the debit/credit card shouldn’t take 10 seconds, at least near five seconds from what I’ve used, unless the terminal host is busy or slow.

It is the same tech, if apple pay is instantaneous at the terminal, so should be the debit/credit tap. Also, depends on the terminal, anyone using the Ingenico ct-250 will be slower then the ct-300 etc, also, if using a wireless or Bluetooth terminal, it will be slower to connect to the base and then to the payment processer. Also, if the merchant is using 100 mb internet per second, compared to someone using 400 mb internet per second will also effect the time from beep to receipt.
 
Im amazed at how many of you sheep would rather see JC Penny go out of business then say, use cash or just swipe a physical card.....

While I have seen no one say that they hoped JC Penny went out of business (just that this action of theirs was likely to accelerate a trend heading in that direction), I think you have a very unusual view on who serves who in a merchant customer transaction. Most people understand that the merchant is there to serve the customer, while in your formulation, it seems that you believe the customer is there to serve the merchant.

All over a stupid form of payment that benefits YOU in no way at all! Chip cards are just as secure and cash doens't need to be secure because its cash!

Actually, it benefits me quite a bit. I jog/walk an hour every morning and evening. I do not carry my wallet. I know the location of the Cocoa-cola corporate vending machines that take ApplePay along my typical route that let me pick up a bottle of water if I am getting thirsty. It was a big convenience when 7-11 began to accept ApplePay because it added a place I can stop without my wallet.

As for security there are many studies that have shown problems with Chip and PIN card security. As for cash, the security issue is carrying it in the first place (not to mention the hassle of getting it).

This guy who tweeted is straight up retard.... and after reading some of these comments, im starting to question this community. o_O You literally want 95000 people to suddenly be without employment because you can't use your phone to pay and give apple their .15% cut?!

Just so I understand, exactly what are my responsibilities as a potential customer to ensure that JC Penny does not go out of business? Should I have to drive an extra 5 miles to the nearest store? 10 miles? Should I have to pay 1% more? 5%? 10%? Should I be required to purchase products from other than my preferred brands because they are the only ones JC Penny stocks?

It has always been my understanding that the merchant is there to serve the customers’ needs, not vice versa.
 
Yeah, and 0.15% is going to save JC Penney's... right ;)

to you and and me, 0.15% doesn't sound like a lot, but when you are a corporation that is dealing in millions of dollars, it adds up. What do you think about Costco then? They don't accept visa payments because they wouldn't lower the fee from 3.25% like mastercard did.
 
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It is the same tech, if apple pay is instantaneous at the terminal, so should be the debit/credit tap.

Think OP means tap vs. inserting a chip card.

Also, if the merchant is using 100 mb internet per second, compared to someone using 400 mb internet per second will also effect the time from beep to receipt.

I am not sure where you live, but the number of merchants in the U.S. that have 400Mb/s connections is tiny (even 100Mb/s is probably rare for most merchants). However, given the amount of data a credit card generates, no one would be able to tell the difference between a 1Mb/s connection and a 1Gb/s connection (for all speeds, it would be well under a second per transaction).
 
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... the merchant gets no information about you or your purchase history unless you provide a phone number or loyalty card....

If people really cared about purchasing history privacy, they wouldn't buy an iPhone. Apple tracks all your iOS app store purchases and your iPhone purchases. You have to log in with your Apple Id every time you buy a new iPhone or reset your iPhone.
 
Except for the fact that Costco ONLY takes VISA and doesn't take MasterCard, Discover, American Express or DinersClub.

They do accept debit cards, so a Mastercard Debit Card might work? I am not sure of that and it may depend on the debit card network.

If people really cared about purchasing history privacy, they wouldn't buy an iPhone. Apple tracks all your iOS app store purchases and your iPhone purchases. You have to log in with your Apple Id every time you buy a new iPhone or reset your iPhone.

Apple Store app purchases are the least of what you need to be concerned about in regards to purchasing history. If people really cared about purchasing history, they would shred their credit cards and stick to buying apps :)

https://www.creditcards.com/credit-card-news/credit-card-purchase-privacy-1282.php
 
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If the goal post at avg American credit card sure apple card isn’t bad, but there r better cards with better reward system,

we americans are known for carrying a balance, thats why our banks thrives so much.
Let's stick to one goal post - either average or picking-options. Interest rates seem on par with a lot of other cards, though what credit score lands which rate remains to be seen. If we then narrow the field from average-consumer to smart-consumer, the best choice then is to not finance stuff on a credit card and thereby interest rates become moot.

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.
Not really interested in watching videos or digging through a wall of text -- just cite which card(s) cause you to think the rewards system is a "joke".
 
It isn't hard to believe that apple is the greedy one in any transaction.

Apparently it isn't hard to tell outright lies about something you know nothing about either. This has been discussed in great detail ever since Apple Pay launched. The fees are handled on the bank/processor side. It changes nothing on the merchant side.

But go on and keep spreading FUD.
 
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Think OP means tap vs. inserting a chip card.



I am not sure where you live, but the number of merchants in the U.S. that have 400Mb/s connections is tiny (even 100Mb/s is probably rare for most merchants). However, given the amount of data a credit card generates, no one would be able to tell the difference between a 1Mb/s connection and a 1Gb/s connection (for all speeds, it would be well under a second per transaction).

I am in Montreal, Canada, Moneris is the processor and I noticed a good drop in processing time since I upgraded my internet.
 
Can’t say I use Apple Pay at stores as it is. Too much hassle. Not enough incentive from Apple. This Apple card on the way is a joke gesture from them.
Really? I'm always amazed at how fast it processes as opposed to the card itself.
 
Let's stick to one goal post - either average or picking-options. Interest rates seem on par with a lot of other cards, though what credit score lands which rate remains to be seen. If we then narrow the field from average-consumer to smart-consumer, the best choice then is to not finance stuff on a credit card and thereby interest rates become moot.


Not really interested in watching videos or digging through a wall of text -- just cite which card(s) cause you to think the rewards system is a "joke".
except its not a moot point when the avg americans carry a debt each month to the next. and avg consumer heavily outweighs smart-consumer,

you stated yourself you have better reward cards that gives cashback 3-5 percent. the video is just a bonus.
 
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