BTW, it looks like that Visa mandate is why JCPenney disabled contactless: https://techcrunch.com/2019/04/22/jcpenney-explains-why-it-dropped-apple-pay/
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JCPenney Removes Apple Pay Support From Its Retail Stores and Mobile App [Updated]
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I saw this on another message board - seems that they were tweaking their software and trying to get EMV contactless going properly. There were a lot of posts about Safeway, but I suspect all the chains are running the same software (a friend of mine who has a Visa hadn't noticed any issues at her local Safeway during all of this).
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Somehow I missed that this deadline even existed (also don't ave any Visa cards, so that may also be the case). It's funny that this was so soon as Amex was still doing MSD-only in Apple Pay up until a couple of months ago. If this was the motivation for turning off the terminals, it's kind of lazy.
I suspect that it's not exactly the highest of priorities given their financial situation.
That said, there still aren't enough places supporting EMV contactless in the US. One has to wonder if this deadline needs to be pushed back, much like the original 2017 EMV liability shift for gas pumps.
Bonus! As a consumer, I don’t want a direct relationship with the merchant.
i already posted the video which entails which cards are better. whether you choose to acknowledge or not is up to you.
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it is a joke when apple hyped it up and turns out its a medicore card at best. you can take a grain of salt for my comment and i couldn't care less, your value of opinion hold as much ground as me on hereApple and Goldman Sachs have stated that they intend to pick the lowest rate in the band for which a consumer qualifies. Apple Card’s stated rates are 13.24% - 24.24% a minimum of 2% lower than Citcorp’s Double Cash Back range, and lower than most cards from Chase. Again, there are some cards with lower rate ranges, but not many rewards cards.
I will take Apple’s statements over his guesses any day.
Yup, but average does not sound as bad as “is a joke” and makes being critical so much less rewarding.
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!
You must not visit the States very often? You don’t have to sign a card here. You “may” have to show a valid ID if the card isn’t signed. I have never signed any of my cards. Not an issue.
I am not.
The stores you list cater to the upper middle class.
JC Penny's target demographic is the lower middle class. Dollar General accepts Apple Pay. Doesn't mean any one that shops there uses it.
Correct, and the commenter to whom I was replying was discussing Apple Card.
The other thing you forgot to mention is the sheer size of the US. We have regional department stores that are larger than most European department stores. I'd also point out that in a LOT of places, your choices for shopping is JC Penny, Goody's, Wal-Mart, or the Goodwill.
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Those are regional outfits. Nice if they are around, but they aren't actually in large swaths of the US.
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The sooner the better.
What a stupid tweet from the customer.
"Do you not care about the customers' security? #security"
LOL it has nothing to do with that and he knows it. ****o~
"Do you not care about the customers' security? #security"
LOL it has nothing to do with that and he knows it. ****o~
I bank with Usaa. And while I’ve had my debit card stolen many times, not physically, and used in states I wasn’t even in. I can just chat in the app and report it stolen. No more than 10 minutes worth of sorting out, with new cards in the mail the within two days. I’m not sure how that would be any different than using a credit card and getting it stolen?
My theory on how Apple Pay works: When you add a card to Apple Pay, the system generates a hidden 16 digit personal card number. Once generated, this number stays constant, but will not be revealed to you. When you go to pay, the payment amount (and maybe other information) is used to dynamically generate a CVV code. To the merchant it looks like they were simply given a normal card number and CVV. The bank's back end verifies the CVV and approves the transaction. All in all, this allows Apple Pay to be accepted offline.
The problem: The first four digits of CC numbers specify a bank. Many combinations have yet to be used. The hidden Apple Pay numbers are likely using unallocated space. This creates problems when a merchant tries to validate and region restrict cards.
What JC Penney is likely doing: To combat card fraud, they are likely disabling cards from regions of the world with lots of fake cards. In other words, there is little reason for Penney to accept a card from a Nigerian bank. They can't tell where Apple Pay cards come from, so those too get disabled.
Good to have so many options. The best option that provides the most value to the customer will win out. Don't need the government to set a standard, which harms innovation.
US has some of the safest payment systems in the world.
People can post anything here and get likes lol
There's a huge difference. With a debit card your liability is based on when you report the theft and it could drain huge sums of money since the theft comes out of your bank account.
Mostly the person was dealing with the various payees who had payments bounce for NSF. Apparently the fraud occurred just as a variety of auto-payments had occurred/were-to-occur.
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I answered the question that was posed.
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Video mentions two cards:
#1 - Citi DoubleCash - which is 2%. Which you claim is just average.
#2 - US Bank Atltitude Reserve - which gets you 3% on mobile-wallet payments. Seems nice but for the $400 annual fee.
Nah, I'm just gonna call bullsht on you at this point.
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Maybe just read the documentation: Apple Pay security and privacy overview
Actually, it's the MAIN reason why I use Apple Pay and if I go Android, it will be Google Pay. If I can't pay that way, I have a crappy credit card I sometimes have with me and use that. I rather have my credit card hacked than a bank card.
The video lists two cards: Citi Double Cash and US Bank’s Altitude Infinite Reserve. Citi Offer’s 1% cash back when one charges and 1% when one pays. It has a foreign transaction fee (3%), a penalty rate (up to 29.9%), late fees (one gets a single free late payment over the life of the card after that it is $39).
US Bank does offer 3% on all mobile wallet purchases, but with a $400 annual fee ($325 of which can be offset with certain travel purchases). That means one needs to spend between $7,500 and $40,000 in mobile payments before the 3% is a win. Their late fee is $39 and their lowest interest rate is 17.99% (varies with Prime Rates). They charge $35 for a returned check.
Again, under certain circumstances, for certain people, both of those cards can be slightly better than Apple’s Apple Card.
it is a joke when apple hyped it up and turns out its a medicore card at best. you can take a grain of salt for my comment and i couldn't care less, your value of opinion hold as much ground as me on here
Apple reference on a slide of “low interest rates” and a single statement in the presentation, hardly counts as “hyped it up”, and, again, their stated rate ranges are much lower than any of the cards you have referenced (either directly or via links).
Here is a list from CreditCards.com (the source of the information in the video to which you linked):
Chase Freedom unlimited: 1.5% cash back, interest from 17.24% - 25.99, late payment fee ($39), foreign transaction fee(3%).
Discover It: 5% on one category a quarter (up to $1,500 of purchases), 1% on everything else. Interest from 14.24% to 25.24%, late payment fee ($37).
Capitol One Quicksilver: 1.5% on anything. Interest from 18.24% to 26.24%. Late payment fee $38.
US Bank Cash+: 5% on up to $2,000 per quarter on one category, 2% on one category all the time, and 1% on everything else. Interest rate from: 16.24% - 25.74%. Foreign transaction fee (2% in USD, 3% in foreign currency), late payment fee $38.
If you can find a cash back card with a lower interest range, please post it.
At which point in the article did you read that the iPhone is losing Apple Pay?
Kohl’s is the largest department store in the United States (1,158 stores). It surpassed JC Penny in 2012 (only 864 stores). Stage Stores (owner of Goody’s and others) is even smaller at about 650 stores.
I disagree. By the time we, USA, adopted chipped credit cards, EU had already moved on to contactless payments. In fact, although all of my credit cards are chipped, I've never been given the opportunity to set up a pin to make it hard to use if stolen. Still authenticating with a signature in stores because their POS terminals are so old that they apparently can't be programmed to not require it. This despite the fact that all the the credit card companies no longer require signatures for transactions (not 100% certain its all but certainly most). Nope, I envy AU and the EU for taking the lead on this. It's all about preventing fraud for them. In America, the credit card companies would rather eat the fraud losses than agree to make a standardized secure POS terminal.
It was covered in the podcast and I didn't feel like regurgitating it just to spell it all out. I'll note that of your examples, only Walmart is available in my area and they don't accept Apple Pay.