Leaked Images Show Apple Card's Design in the Wild

[ecschwarz]

Signatures have been phased out for a long time now. With Contactless the point is further moot. Every major bank in the US besides Bank of America now issues Contactless cards.

Even so, Apple Card is No CVM, the terminal won’t even ask for a signature or anything at all anyway. It’ll just say no signature/PIN required

This exactly! Every once in awhile I run into a terminal (either on-screen or receipt) that still asks for a signature, just because someone along the line hasn't updated things (we have some BofA-provided ones at the cafeteria at work that ask for Mastercard credit cards, but seem to ignore it on Amex and Discover). Even then, there's no verification by the staff because the entire process is customer-facing otherwise so they never handle the card to compare.

Even then, the mom & pop places in the US that still look at your card's signature and/or compare it with an ID aren't adding any layers of security as far as the banks/payment networks are concerned. Those players would much prefer they don't touch cards at all, which is part of the reason the signature requirement was dropped.

 

[RudySnow]

I imagine one would need a near impeccable credit score to get one of these. This isn’t a Capital One card, after all.

 

[kingofwale]

so... you can't even buy a monitor standard by Apple with this card after tax....

 

[k1121j]

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.

Then you use the app to get the number and give it to the merchant

 

[m0sher]

This is the card design you get from your dev design team when they’ve got nothing .

 

[k1121j]

Rewards are lack luster only advantage I can see are the people who pay late a lot will avoid fees so those are the ones saving money not the ones who pay all off or pay on time. A regular card can have same interest and better perks.

 

[Eorlas]

Fetishing over credit card designs now... this is of course all just my personal opinion, but it seems like we've 'lost the plot'

I personally despise the community members being referenced to as "Sheeple" but I can't help but understand when stuff like this happens.

We're weighing credit cards and showing what they look like. This should not be given the light of day as "news."

Spoiler alert: It looks, weighs, feels, and operates...like a credit card.

 

[tmiw]

If the card has a PIN that's usable for purchases at all I'll be shocked.

Remember, the whole point of this card is to get more people using Apple Pay; the physical card is necessary mainly because handing your phone to restaurant servers, drive through cashiers, etc. is probably not a good idea (assuming their terminals even have contactless enabled in the first place). Then again, Apple Card might not be the right card to be using at places that don't support AP if you want to maximize rewards.

BTW, I suspect the card is still chip and signature like most other US credit cards. Actually being chip and no CVM might cause problems at some merchants, not to mention be against MC rules IIRC.

 

[newyorksole]

I imagine one would need a near impeccable credit score to get one of these. This isn’t a Capital One card, after all.

Lmao this is not true. It’s an Apple credit card, but it’s not an AMEX Black Card. Apple wants it in as many hands as possible. It won’t be super hard to be approved.
[doublepost=1561154764][/doublepost]

I personally despise the community members being referenced to as "Sheeple" but I can't help but understand when stuff like this happens.

We're weighing credit cards and showing what they look like. This should not be given the light of day as "news."

Spoiler alert: It looks, weighs, feels, and operates...like a credit card.

You do realize that there are people out there who are “into” credit cards and go on forums like these to compare cards and see the best ways to maximize points / benefits.

People like things that are premium. People like metal credit cards. You like a flashy car. The next guy likes a flashy credit card.

Who the heck cares? Why can’t people enjoy things. It’s not affecting you. It’s not killing them.

 

[BGPL]

If they'd only spent this much time on the wireless charging device. Sheesh.

 

[alexandr]

Shortly after: Apple Cards banned from flights

but how are we supposed to pay for in-flight goods??

 

[burgman]

Here's hoping that the $1,000 limit is just for the test period. Because, Apple barely makes anything under a $1,000 these days.

If your score is 6 to 7 hundred you shouldn’t be buying anything on credit if possible
.

 

[MisterSavage]

It looks really nice but the rewards aren't nearly compelling enough for me.

The $1000 credit limit that person got is brutal but my first card had a limit of $500.

 

[dannyyankou]

Lmao this is not true. It’s an Apple credit card, but it’s not an AMEX Black Card. Apple wants it in as many hands as possible. It won’t be super hard to be approved.

Yeah if Apple retail employees are getting approved, most people should have no issue signing up.

 

[vipergts2207]

Who the heck cares? Why can’t people enjoy things. It’s not affecting you. It’s not killing them.

Some people enjoy the Kardashians, doesn’t mean others can’t point out how stupid they are.

 

[burgman]

Some people enjoy the Kardashians, doesn’t mean others can’t point out how stupid they are.

Ok dad

 

[Apple Freak]

Are cards still swiped? I thought that ended decades ago. In fact for less expensive purchases chip and pin’s been pretty much superseded by contactless transactions.

Here in the US some merchants are still swipe only, which reminds me, didn't it come into effect yet where if a merchant will only swipe, they take the liability if their systems are hacked? Can't remember for sure.

 

[tmiw]

Here in the US some merchants are still swipe only, which reminds me, didn't it come into effect yet where if a merchant will only swipe, they take the liability if their systems are hacked? Can't remember for sure.

That was back in 2015. Of course, it took a couple of years more for chip acceptance to start being semi-common. There are a lot of things I would have done differently had I been in charge of that transition.

 

[bernuli]

Yet you clicked the article and commented.

I read the title, clicked post reply, and typed complaint, in the hopes I would not have to see such a such a title again. No guilt felt.

 

[k1121j]

If the card has a PIN that's usable for purchases at all I'll be shocked.

Remember, the whole point of this card is to get more people using Apple Pay; the physical card is necessary mainly because handing your phone to restaurant servers, drive through cashiers, etc. is probably not a good idea (assuming their terminals even have contactless enabled in the first place). Then again, Apple Card might not be the right card to be using at places that don't support AP if you want to maximize rewards.

BTW, I suspect the card is still chip and signature like most other US credit cards. Actually being chip and no CVM might cause problems at some merchants, not to mention be against MC rules IIRC.

CVM is not ever required by merchants to collect they can if they choose to and it will never change the merchant rate.

 

[alexandr]

If they'd only spent this much time on the wireless charging device. Sheesh.

wait, you mean this card will not charge my iphone?!

 

[31 Flavas]

Apple doesn't support chip and PIN, they want you to use Apple Pay or swipe to make sure they get maximum processing fees

Apple gets noting from the merchant transaction, at all. ApplePay or not. Swipe or not. Chip or not. ApplePay / Apple card is 0 cost to merchants. Apple’s fee is on the backend with the bank’s themselves. The banks, not the merchants pay for the security and validation that only the card owner is making the transaction.

And enjoy being abused by the people queuing behind you who just pay in half a second with contactless like normal people

Whether it’s a swipe, chip and (no) sign, chip and pin, or ApplePay it they’re just the same.

 

[tmiw]

CVM is not ever required by merchants to collect they can if they choose to and it will never change the merchant rate.

Sure, but that's handled by the terminal selecting signature anyway and simply not bringing up the prompt after approval. I don't think attended terminals anywhere actually select the "no CVM required" entry on the card's CVM list but I could be wrong on that.

Apple gets noting from the merchant transaction, at all. ApplePay or not. Swipe or not. Chip or not. ApplePay / Apple card is 0 cost to merchants. Apple’s fee is on the backend with the bank’s themselves. The banks, not the merchants pay for the security and validation that only the card owner is making the transaction.

I agree. However, there are instances where Apple Pay would cause merchants to pay more (for instance, debit cards being run as credit when tapped when they'd otherwise have been inserted and PIN entered). Not to mention how much merchants dislike the whole concept of interchange in the first place, so that 0.15% the banks are paying Apple is money they think they should be getting back in the form of lower rates.

 

[vipergts2207]

Ok dad

Weird flex but ok.

 

[31 Flavas]

1. Order Apple Card
2. Scratch off name
3. Demagnetise strip
4. Sharpen edge

You now have an untraceable and concealed edged weapon

How long until Apple starts issuing replacement plastic cards or cards stamped with traceable information?

Really, you can't already make a shiv / sharpen the edge of a plastic card? Insta cancel and ban plastic credit cards!