Other So this year people will switch to ( Apple Card ) instead ATT Next

titrau

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Aug 16, 2017
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( Here what i guess :))
apple is about to launch the apple card in market this fall and i predict that apple doing this will sell more iPhones to customers, instead customer of buying them with other companies like ATT Next, Tmobile or others thus proving this year iphone 2019 prices will increase again, and users who will apply apple card to buy might have little less % interest option instead of att or tmobile or sprint , with that surely apple will launch some attractive products pushing up the price in which the user will then have to choose the apple card to buy, both have the benefit , the seller and the buyer, apple playing high level :D
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E1E01236-C596-438A-A13B-4C3E33E53AE3.jpeg
 

ericwn

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Apr 24, 2016
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That makes no sense to me.

A credit card is not the same as a financing option of a carrier - if that were the case you could get a credit card from ATT.
 
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titrau

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Let say , if people buying new iphone 2019 of 1,699$ and ATT financing 20 months payment billing max , ( 84$ ) per month

and ( apple card ) doing samething but it allow 30 months payment billing( 56$ ) per month with 1% interest or even none interest for iphone only ,

there is different choice ,

will people wanted pay 56$ or 84$ ????
 

apolloa

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Oct 21, 2008
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Time, because it rules EVERYTHING!
Let say , if people buying new iphone 2019 of 1,699$ and ATT financing 20 months payment billing max , ( 84$ ) per month

and ( apple card ) doing samething but it allow 30 months payment billing( 56$ ) per month with 1% interest or even none interest for iphone only ,

there is different choice ,

will people wanted pay 56$ or 84$ ????
What new iPhone at $1699? Your basing your opinion on fantasy.
 

ericwn

macrumors 601
Apr 24, 2016
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The card will probably only launch in the US first and to assume that this might have any impact on the assumed highest priced phone is fishing for it but likely won’t matter in the real world.

The US customer is accustomed to credit card payments already and people don’t just switch to a new CC right away. It will take a while before any major impact can be observed.

The market is mature and grown. People are not going to suddenly buy more iPhones just because Apple release a credit card.
 
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titrau

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What new iPhone at $1699? Your basing your opinion on fantasy.
Come on, stop dream my friend ,
not first day buying iphone to you

look and see ,

2018 1049-1449$

2019 $1249 - 1649$ ( predict )
 

Thai

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Feb 2, 2016
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That's interesting...because Apple does offer 3% cashback on anything Apple. My Citibank is giving me 2% Yeah, i will get the Card for that reason. Apple Store usually gives up to 10% off...and then you add in this 3% cashback...nice! I got my Apple Watch 4 at Apple Store for 10% off (beating even Best Buy)...then add in 2% cashback with my Citibank...but now if i use Apple Card, then i get 3%. What is not to like?! :)
 

titrau

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That graph is deceptive. It includes carrier subsidized phones in the iPhone 6ish era. The true cost was hidden within your service contract during that era.
then buy full price :) :D many thanks by apple
 

apolloa

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Oct 21, 2008
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Time, because it rules EVERYTHING!
Come on, stop dream my friend ,
not first day buying iphone to you

look and see ,

2018 1049-1449$

2019 $1249 - 1649$ ( predict )
As I said, your opinion is based on fantasy and nothing else..
You seem obsessed with this idea that Apple will be selling an iPhone for 1699 this year? You do realise theirs very small changes to be made to this years model, yet for some reason you believe it’ll justify a price hike of $250 plus taxes??..

That’s not a very realistic outcome, this years iphone will cost the exact same as last years.

Also no, the credit card market is so mature and grown, people get one based on interest rates first, protection offers second, perks third.
And when you can get air miles, why would you care about saving a small amount of money on a phone you’ll buy every 2 to 3 years? Oh and if you were talking about a 1699 phone plus taxes, firstly it would cost a hell of a lot more then 84 dollars a month on contract, plus you’d have to pay money up front for the phone, so overall even with a slight discount (even though you’ll be paying for it anyway in the end), it will be poor value.

Either way it’s an incredibly expensive proposition and people aren’t going to get one because Apple can knock a few quid of your phone bill if you chose their credit card as it’ll still be expensive.

Oh and you’d never get an offer of 84 down to 56, nor would they extend the contract term either.
 
Last edited:

mtneer

macrumors 68030
Sep 15, 2012
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I thought it was Goldman Sachs (a real bank) that was running the Apple credit card?? Or did Apple itself get a banking license in the 50 states and territories??
 

nrvna76

macrumors 65816
Aug 4, 2010
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Why would they compete against their own iPhone upgrade program, which exists specifically to compete with carrier financing options..?
 
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noSpeed

macrumors member
Apr 13, 2010
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117
That's interesting...because Apple does offer 3% cashback on anything Apple. My Citibank is giving me 2% Yeah, i will get the Card for that reason. Apple Store usually gives up to 10% off...and then you add in this 3% cashback...nice! I got my Apple Watch 4 at Apple Store for 10% off (beating even Best Buy)...then add in 2% cashback with my Citibank...but now if i use Apple Card, then i get 3%. What is not to like?! :)
How do you get 10% off at the store?
 

JBGoode

macrumors 6502a
Jun 16, 2018
838
1,205
Let say , if people buying new iphone 2019 of 1,699$ and ATT financing 20 months payment billing max , ( 84$ ) per month

and ( apple card ) doing samething but it allow 30 months payment billing( 56$ ) per month with 1% interest or even none interest for iphone only ,

there is different choice ,

will people wanted pay 56$ or 84$ ????
The average consumer is not going to sit and calculate their savings with a credit card (that they probably don't even know exists) v. carrier financing. The average consumer is also not going to apply for a credit card so they can buy a new phone. Your entire premise is ridiculous.
 

rui no onna

macrumors G3
Oct 25, 2013
8,442
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Let say , if people buying new iphone 2019 of 1,699$ and ATT financing 20 months payment billing max , ( 84$ ) per month

and ( apple card ) doing samething but it allow 30 months payment billing( 56$ ) per month with 1% interest or even none interest for iphone only ,

there is different choice ,

will people wanted pay 56$ or 84$ ????
It seems like you're not aware but there are currently two options already for AT&T Next:
Upgrade Every Year (0% APR, 24 monthly installments)
Upgrade Every 2 Years (0% APR, 30 monthly installments)

Iirc, those have been available since 2015/16. I believe the 30 month installment plan was already available even back when AT&T Next Upgrade Every Year was still 20 months.
 

msp3

macrumors 6502
May 9, 2015
322
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Carrier financing (all carriers) are literally interest-free payments split across 2 years with the option of leaving anytime and paying the balance (you know, like if you paid for something all at once). How stupid do you have to be to be afraid of it?

I bet the people that whine about free financing are the same people who use debit cards instead of credit cards. Is the concept of time-value of money really so hard?
 
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