Thousands of Apple Retail Workers Now Testing Apple Card Ahead of Summer Launch

[Khedron]

Kind of hypocritical since I recall when Apple announced Apple Pay, they had this little commercial that demonstrated how annoying it was to pull a card out of your wallet/purse vs using apple pay on your phone/watch. Then turn around years later to come out with a card?

None of Apple's solutions have ever been as convenient as a standard contactless card which simply requires a tap.

Apple's NFC payments require an extra authorisation step, and if you don't have a watch you're moving a ~200g phone around rather than a ~10g card.

If you have to use Apple's physical card then the swipe strip increases the inconvenience even more.
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Not getting gen 1, i'll let you all be the guinea pig ...
Man I miss those days

Also waiting for gen 2, it is usually slimmer and better, or for the Apple Card 2 XL r - PLUS AMOLED , might get the PRO version with exclusive Force touch and face id.

Apple have admitted force touch is useless and dropped it

 

[179202]

I'm not sure what's more depressing - the Apple are getting people excited for a realistically ****** cash back card, or that they're asking their retail employees to test it? Do you know the difference between a corporate and a retail wage? This is a slap in the face to all non-management Apple retail workers.

 

[YaBe]

Hey you want to test your credit card? Give the numbers expiration date name on it and the 3 digit on the back, I'll test it!

Will give detailed report on findings and such, a nice PPT presentation with images (of me smiling) and I will even buy something nice for you.

 

[PickUrPoison]

I'm not sure what's more depressing - the Apple are getting people excited for a realistically ****** cash back card, or that they're asking their retail employees to test it? Do you know the difference between a corporate and a retail wage? This is a slap in the face to all non-management Apple retail workers.

Slap in the face? That’s ridiculous. What’s depressing is contemplating why people come to MR and post Apple-hate.

Do you think retail workers don’t already have other credit cards? Do you think they should not have a cash back card? Do you think Apple is charging them to participate? Do you think they’re being forced to apply for the card?

Not sure what your objection is, maybe you can actually explain it?

 

[mattopotamus]

I'm not sure what's more depressing - the Apple are getting people excited for a realistically ****** cash back card, or that they're asking their retail employees to test it? Do you know the difference between a corporate and a retail wage? This is a slap in the face to all non-management Apple retail workers.

What does your wage have to do with credit scrore/testing a credit card? Oh yeah, nothing. You can make minimum wage and use a credit card responsibility. I am sure the employees who are interested in getting the card are happy they have early access.

 

[BlandUsername]

Jony is going to have to make that card thinner. Does he have any staff left to help him with this epic challenge?

Will there be someone left to summon the courage to test this card?

 

[macgabe]

Goldman employees are already providing useful feedback. They want the next Apple Card to incorporate a sensor to test the quality of their cocaine.

 

[vipergts2207]

That’s an incredibly arrogant, condescending and judgmental statement.

With only about a third in the US able to cover an unexpected expense of just $500, nearly two-thirds would be reaching for their credit card—and be glad they have it (many don’t). Even if it’s an Amex cash back card with a 26% regular rate and 29.99% penalty rate, they’d be carrying a balance. May you never be in that situation.

What, couldn't find a fourth adjective to shove in there? And no it’s not. There were three things listed: no late fees, no penalty interest for late payments, and no over limit fees. The first two are 100% the fault of the cardholder because all you have to do to avoid it is pay the minimum which is usually measured in the tens of dollars. And the third you could maybe argue on, but seeing as how most credit limits are at least a couple thousand dollars, unless you have extremely poor credit, even an emergency isn’t going to put someone over their limit. And in the case of someone using it for an emergency because they don't the have the funds, they'd be much better off keeping a card from a local credit union. If they don't have the $500 for an emergency and are living paycheck to paycheck, then they'll likely be paying on it for at least several months. This card has a 13.24-24.24% APR whereas a card from one of the larger local credit unions around me has a card with 12.24-17.99% APR. Of course an even better option, if your emergency doesn't require immediate payment, is to sign up for a card with an introductory offer of 0% interest on purchases for 18 months. You seem to be under the impression that Apple is launching this card as some kind of benevolent gesture to poor people, when in reality it's just a way for Apple and GS to make a bunch of money, largely off of financially illiterate consumers, some poor, some not.

 

[cocky jeremy]

Multi user or this will always be a big no for me.

 

[djphat2000]

Bro... Come on...

It makes zero financial sense? Do you know that in NYC, Apple Retail employee’s usually start between $18-$21/hour? Apple pays higher than most other retailers.

You do know that it’s ok to have multiple credit cards right? People have 3-5 credit cards that all serve different purposes.

If an employee buys 3 computers for friends/fam at $1K a pop, that’s $90 INSTANT cash back loaded DIRECTLY onto the Apple Pay Cash card which can be INSTANTLY used. It’s not points. It’s not miles. It doesn’t have to be redeemed through a special portal. It’s INSTANT cash.

I just really don’t get your argument. Opening an Apple Card isn’t going to severely mess up someone’s credit. Could it? Of course if you’re irresponsible, but so can ANY credit card.

There ARE several benefits to having this card aside from the “cool factor”. Just deal with it Lol. Actually, just leave these articles alone and don’t sign up for the card. It’s sooo simple.
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It literally blows my mind how miserable people on these forums are.

“Why buy a Mac Pro when you can build your own PC?”

“Why buy AirPods when there are Chinese knockoffs on Canal Street?”

Let people enjoy what they want! Holy jeez.

I don't think anyone is actually reading that part above from Apple. That these rewards are INSTANT. Not something you wait for it to build up and then redeem at the end of a billing cycle. It's RIGHT NOW. I don't know of any other cards that do that.

 

[jlocker]

I like the percentage off on apple hardware, when i get my new Mac Pro on black friday, I am sure the deals will be good and can use my Apple Card to get more of a savings.

 

[Freida]

Probably "never".... we still haven't gotten Apple Pay Cash, so, it's gonna be a long while....

Thats because Canada (North America) is actually so far behind Europe. If Apple wasn't US company than who knows what NA would have overall.
It was a shock for me to arrive to Montreal and learn how many things that are normal in europe for years are still not here. Still amazes me.
Regardless, lets hope that things will change and the technology gap will get smaller and smaller.

 

[Expos of 1969]

It is very disturbing that so few people are concerned that Apple has chosen (or had to because no ethical financial company was interested) to team up with Goldman Sachs for this endeavour. Even the most basic research will show you what type of operation Sachs runs and the destruction it has caused over the past 15 years.

 

[vipergts2207]

I don't think anyone is actually reading that part above from Apple. That these rewards are INSTANT. Not something you wait for it to build up and then redeem at the end of a billing cycle. It's RIGHT NOW. I don't know of any other cards that do that.

I don't know of any either. Probably because getting immediate access to the 80 cents I earned in cash back yesterday, while certainly nifty, is next to useless as a practical matter. I'll try not to spend it all in one place. Even if someone makes a large purchase, let's say $250 in groceries for the week and even uses Apple Pay. They'll net immediate access to $5, whoopie..

Waiting for a billing cycle to complete before you get your cash/points/miles isn't really an issue because the amounts of money we're talking here aren't at all substantial. And that's even with me running about $2k/month through them. Most people probably run even less than that on their cards in a month.

 

[9052042]

Does in-app purchases count as “Apple purchases”?

If your IAPs warrant asking that question, you need to seek help immediately.. Just kidding

 

[msama]

I like the card! I'd just never use it on anything but apple stuff and I've already got the barclay card for that. =\

 

[photosbynick]

how much 'testing' can be done on retail wages?

Apple paid really well when I worked there from 2005-2010. In our store in PGH specialists made $14-$20 an hr. Creatives and geniuses made $20-$30 hr and managers were getting $80k-$120K. So I would say there is plenty of $$$ to test things out.

 

[B4U]

If your IAPs warrant asking that question, you need to seek help immediately.. Just kidding

Not for me. But I have friends that are so addicted that we had a discussion once, where she was deciding whether to get the iPhone X or not.
I told her, you spend more in a month on loot box items anyway.

 

[newyorksole]

I don't think anyone is actually reading that part above from Apple. That these rewards are INSTANT. Not something you wait for it to build up and then redeem at the end of a billing cycle. It's RIGHT NOW. I don't know of any other cards that do that.

Me either! And they’re loaded onto your Apple Pay Cash card which can be used just as any card can be used. People on this forum boggle my mind.

 

[12vElectronics]

Umm I don't know why some of y'all think Apple retail workers are poor/don't make enough money?

Local minimum wage here is $15. And there are plenty of seasoned Apple store workers who are making far more than that. So are they 'rich'? No. But it's not like they are scraping by and don't have 'normal' lives which includes the use of credit cards. Lol.

 

[az431]

Show me the 90 days same as cash!

or you could wait 90 days until you actually have the money to pay for things.
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I'm not sure what's more depressing - the Apple are getting people excited for a realistically ****** cash back card, or that they're asking their retail employees to test it? Do you know the difference between a corporate and a retail wage? This is a slap in the face to all non-management Apple retail workers.

What you posted makes zero sense. Credit cards can, and often are, used for convenience, rather than to borrow money. They can be used to pay for things that cost 50 cents or $50 thousand.

So whether someone makes "corporate" or "retail" wages makes no difference, and most Apple retail employees likely already have a credit or debit card of some sort.

 

[TallManNY]

It's really nothing special. It's a ****ing cashback card like basically everyone has in their wallet. From a bank (here Goldman), like everyone else has (Citi, Chase...). With an app (like ... yea... all of the banks)

As someone who pretty regularly hands over his card to open a tab at a bar, not having your card number on the card is a nice feature. Or even when you hand over your card to a waiter at a restaurant and it is out of your hands for 10 minutes. Both those events are common and have always seemed a security weakness.

 

[az431]

It is very disturbing that so few people are concerned that Apple has chosen (or had to because no ethical financial company was interested) to team up with Goldman Sachs for this endeavour. Even the most basic research will show you what type of operation Sachs runs and the destruction it has caused over the past 15 years.

Apple is a business, and it owes a duty to its shareholders to make sound business decisions. Apple's job is not to enforce social policies you don't agree with nor to mete out punishment for past behavior by choosing not to contract with certain companies, both of which would be contrary to its duty to shareholders in this case.

And even if it chose to do so, there isn't a single bank that hasn't engaged in some sort of bad behavior someone disagrees with.

 

[TallManNY]

Kind of hypocritical since I recall when Apple announced Apple Pay, they had this little commercial that demonstrated how annoying it was to pull a card out of your wallet/purse vs using apple pay on your phone/watch. Then turn around years later to come out with a card?

How the heck can I open a tab at a bar without handing over a physical credit card? How about paying for a meal at a typical U.S. restaurant?

 

[k1121j]

I'm not sure what's more depressing - the Apple are getting people excited for a realistically ****** cash back card, or that they're asking their retail employees to test it? Do you know the difference between a corporate and a retail wage? This is a slap in the face to all non-management Apple retail workers.

Calm down im sure employees were invited to test it out not forced as you make it sound. Second people of all financial statuses have credit cards so im not sure what your issue is?
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How the heck can I open a tab at a bar without handing over a physical credit card? How about paying for a meal at a typical U.S. restaurant?

you will get a physical card are you totally confused on how this works?