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I'm not sure if you are aware, but the number is stored in Wallet. Of course I don't know how a waiter or convenience store employee will handle you showing them a number that's not on a card. Some may not accept it if they are old school.

I'd like to know if users on the iOS 13 public beta will be able to sign up. It would be kinda crappy if not.

ApplePay displays only the last 4 digits of your actual card. You could have a problem if the number required.
 
I predict people are going to mod/sharpen their cards to cut things.
I actually prefer a plastic credit card because, in a pinch, you can use them as car window scrapers to get the frost off. I think the metal ones may scratch your window.
 
The entire card number, CVV and expiration date are available if needed. The discussion is about Apple Card, not Apple Pay.

I think there's a lot of things that were discussed at or shortly after Apple’s March event regarding the Apple Card that have gotten missed - this is one of them (so thanks for adding it).

It seems there's a lot of concern about number availability, but are there that many hand-keyed instances anymore? Most convenience stores I've visited have customer-facing terminals and looking at receipts at restaurants, most methods are "swiped" :( or "EMV chip" according to the receipt.

Personal online purchases would make sense, but you'd have your phone with you. I kind of wish they'd use the tech from Final (fintech company that Goldman Sachs picked up) where you could assign different numbers to different vendors. A handful of other issuers offer this (Capital One, Citi, BofA), but it seems to be something that would fit in nicely with Apple's privacy angle.
 
So you laugh at Chase / American Express and Amazon Users? These are few of the companies I know that use a quality metal card and not ****** plastic

Nope just referring to the apple card. It has horrible credit limit range and the APR outlook is much higher than other cards. Not to mention to rewards compared to others.. apple cash but with a fee to transfer to your bank? Lol..
 
no you were complaining about the build quality.

"Especially those who think they are better by having a heavy and shiny credit card" and thats what I was replying to.

We dont know what the highest credit limit will be, its all based on credit score. APR is definitely questionable but if you use a CC right, youll never have to pay the interest. Is it high, i dont personally know cause im not a fan of CC's and dont have one myself. Had one to build credit, payed it off every month and got rid of it after 2 years.

Again, was originally replying to your build quality comment, not all this other BS you pulled out of your ass all of a sudden
 
What about when a merchant needs to manually enter the card number? I've had times where they entered the number manually on the front of the card; either because the swiper is down or for other reasons.

More importantly, when other cards offer 2% for a physical card transaction who would use the Apple Card with only 1%? Sounds like they’re targeting kids.
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Not to mention to rewards compared to others.. apple cash but with a fee to transfer to your bank? Lol..
Who cares just spend it?
 
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Good luck with that outside the US! Current new cards in Europe have no magnetic strip and no raised lettering for an embossing machine. Chip and pin or contactless or Applepay/ equivalents

Yes contactless is ubiquitous in Europe.

The physical Apple Card IS NOT a contactless card.
 
When they say credit rating between 600-700 what is the top? Is it 1000?

Now this may seem a dumb question, but in the UK we have 3 credit reference agencies.

Experian scores you up to 999
Credit Karma (was Noddle) 710
Clearscore 700

And none of them in the UK seem to make sense. My scores are 999, 652 & 495.

There are various models, but FICO 8 is the most used. It tops at 850.
 
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https://www.theguardian.com/technol...co-founder-warns-against-libra-cryptocurrency

I don’t trust Facebook to do this right.

Are people so eager to prove Apple is wrong that they would support the destabilising of entire economies?

Facebook deserves the most intense of scrutiny here, not blind adulation.



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I think it’s as telling who isn’t on the list (Apple, Google, Amazon, or any bank), as much as who is on it.

Well, we will all of course see.
The people who are NOT currently involved with it, well you can understand why, irrespective of how good anything is.
They would be like politicians from other parties, they are not going to want to be involved with it, initially anyway, as it's in direct competition with something they would either want to do themselves, or have their own ideas on how it should be done.
Who's 1st on a GIANT scale, and enough people start using, can become the leader, unless others come forward with something better.
Whomever does this and makes it work, we want something totally worldwide, and supported by everyone.
 
Well, we will all of course see.
The people who are NOT currently involved with it, well you can understand why, irrespective of how good anything is.
They would be like politicians from other parties, they are not going to want to be involved with it, initially anyway, as it's in direct competition with something they would either want to do themselves, or have their own ideas on how it should be done.
Who's 1st on a GIANT scale, and enough people start using, can become the leader, unless others come forward with something better.
Whomever does this and makes it work, we want something totally worldwide, and supported by everyone.
You are not getting my point.

This isn't about who does it first.

Facebook can't be trusted. I believe Facebook can get it to work, and that's what unnerves me. That it will work, and what the repercussions to the global economy will be.
 
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4 months later still vaporware. I guess the “available now at the Apple Store” Apple is long gone.
 
4 months later still vaporware. I guess the “available now at the Apple Store” Apple is long gone.
Not vaporware to the 30,000+ that it’s already been made available to. Unfortunately, it’s going to be another month or two before you’ll be able to get your hands on one :mad:

Yeah, it’s hard to wait for something you really want, but the anticipation just makes it all the better when it finally drops, don’t you think?
 
The physical Apple Card IS NOT a contactless card.
Of course not. That's because both Apple Watch and iPhone are. The physical card is a backup to those, to be used when a merchant doesn't accept contactless payment.
 
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Not to mention to rewards compared to others.. apple cash but with a fee to transfer to your bank? Lol..
Are you talking about the fee to have an immediate bank transfer (vs having to wait the usual overnight-three days)?

If so, like with Venmo, that’s 100% optional. There is no fee to transfer cash the normal way.

https://support.apple.com/en-us/HT207882
 
I'm sure it's because the physical card is intended as a backup for places that can't accept contactless. If they can, you'd want to use Apple Pay on your iPhone or Watch and get the 2% cash back.

Any use of the physical card would net 1% cash back, and if it were contactless, I suspect would still be the same. Apple wants this card to be primarily used with Apple Pay.

You know what I’m curious about? What if you lost your phone and go to an Apple Store to buy a new phone with the PHYSICAL Apple Card.

Would that be 3% or 1%? Lol
 
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Nope just referring to the apple card. It has horrible credit limit range and the APR outlook is much higher than other cards. Not to mention to rewards compared to others.. apple cash but with a fee to transfer to your bank? Lol..

Where does it say theres a fee to transfer to bank?
 
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Of course not. That's because both Apple Watch and iPhone are. The physical card is a backup to those, to be used when a merchant doesn't accept contactless payment.

Apple just doesn't want to make life easy for any customer who might buy something without Apple Pay getting their commission
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You know what I’m curious about? What if you lost your phone and go to an Apple Store to buy a new phone with the PHYSICAL Apple Card.

Would that be 3% or 1%? Lol

1%
 
I predict people are going to mod/sharpen their cards to cut things.
Hardly. If history is anything to go by, they’ll be polishing their cards with “cape cod cloths”, getting front and rear protectors slapped on them and studying the surface for microscopic anomalies ;)

(I’m only half-joking, BTW)
 
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Apple just doesn't want to make life easy for any customer who might buy something without Apple Pay getting their commission

They get that from the issuing bank (Chase, BofA, Citi, etc.) and could have entirely different terms with Goldman Sachs on their own card.
 
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