quote:

Originally posted by ensigmatic:
Anybody got an Apple watch and get this card to work on it? The ol' "Apple just works" is failing for me in getting my Apple card to register on my Apple watch.

I opened the wallet app on my watch and the card is there and says to double click to pay with it. I haven't had a chance to actually use it with my watch yet to test it though. Is your card not showing up in the wallet or is it there but just not functioning?

 
My only gripe about the Apple Card in your wallet is the limited options for paying your monthly bill. If you also have the Apple Cash (debit) card, you can use those funds. Or, you can set up a bank account, and set your payment date, and they will do an ACH pull from your account on that date. You can also use the "pay early" option, but that is again an ACH pull from your bank account. I usually pay all my bills using my bank's online bill pay. That option is not available for the Apple Card.

quote:

Originally posted by henryaz:
 <snip>
I usually pay all my bills using my bank's online bill pay. That option is not available for the Apple Card.

My bank is Wells Fargo. The WF bill pay mechanism takes funds from my checking account. Don’t remember if there was an option to take the funds from a credit card account, but I wouldn’t want that. Possibly your bank provides the option of using your checking account for the bill pay mechanism.

The titanium Apple Card looks slick (with the sound to match), but you may need to treat it gingerly if you expect it to look as pristine as the day you got it. Apple has posted a cleaning guide for the physical credit card that warns against storing it against leather and denim, lest they cause discoloration that "will not wash off." Yes, that's right -- you could end up with a nasty-looking card simply by putting it in your usual wallet or pants pocket. Many leather wallets have linings, and plastic cards have their own issues, but this suggests it's more delicate than some would like.

Accordingly, the same guide advises against putting it in direct contact with other credit cards or loose items lest you scratch that pristine titanium surface. And if there's a stain you can clean off, you'll want to wipe it down using a microfiber cloth moistened with isopropyl alcohol.

This isn't functional issue on the level of Antennagate. It's not like your card will stop working just because it's a bit dirty, and you'll have an incentive to use Apple Pay more often regardless. With that said, the titanium card is as much about flaunting your status as it is making purchases. It's hard to do that when your card looks like it went through hell, isn't it?

LINK: https://www.engadget.com/2019/...7WskmP-Y8S-k4L0ev8Ro

quote:

Originally posted by BamaJeepster:

quote:

Originally posted by ensigmatic:
Anybody got an Apple watch and get this card to work on it? The ol' "Apple just works" is failing for me in getting my Apple card to register on my Apple watch.

I opened the wallet app on my watch and the card is there and says to double click to pay with it. I haven't had a chance to actually use it with my watch yet to test it though. Is your card not showing up in the wallet or is it there but just not functioning?

The card showed on the phone, but I couldn't add it to the watch. I don't know if it was operational on the phone, yet, as I hadn't had an opportunity to try it.

Tried again this morning to add it to the watch and no problem.

Since it was a newly-issued card when I tried adding it to the watch, yesterday, I'm guessing it simply took time for something to bubble through the card issuer's systems before they would allow me to add it to another device.

quote:

Originally posted by henryaz:
My only gripe about the Apple Card in your wallet is the limited options for paying your monthly bill. ... Or, you can set up a bank account, and set your payment date, and they will do an ACH pull from your account on that date. You can also use the "pay early" option, but that is again an ACH pull from your bank account.

Can you set it up so it will do an ACH pull from your designated account only when you manually execute a payment? That's how I'd want it to work.

quote:

Originally posted by ZSMICHAEL:
The titanium Apple Card looks slick (with the sound to match), but you may need to treat it gingerly if you expect it to look as pristine as the day you got it.

Good grief

They should've just left it raw titanium.

quote:

Originally posted by henryaz:
 <snip>I got one just to see what a card made of titanium sounded like when you drop it. <snip>

In a thread about pot scrapers, bendable suggested that an old credit card would work. I replied: “I think that an old credit card would be too …ah… bendable.”

https://sigforum.com/eve/forums...860068454#5860068454

But if the Apple card is indeed titanium, it might actually work as a pot scraper!

quote:

Originally posted by ensigmatic:

quote:

Originally posted by henryaz:
My only gripe about the Apple Card in your wallet is the limited options for paying your monthly bill. ... Or, you can set up a bank account, and set your payment date, and they will do an ACH pull from your account on that date. You can also use the "pay early" option, but that is again an ACH pull from your bank account.

Can you set it up so it will do an ACH pull from your designated account only when you manually execute a payment? That's how I'd want it to work.

I'd want it to work that way, too, but unless I'm missing something, no. They pick a payment date for you, which you can change, and you also have the option to "pay early". I just did the pay early, because my first payment date was not until 21 Sept., and I wanted to pay the AC at the same time I pay my others. The ACH pull from my Chase checking went flawlessly. It took 24 hours to post.
 
What I really would like is a way to pay it using online bill-pay, the same way I pay everything else.

I set up a bank account for the card, but did not set up scheduled payments. What I expect to happen is the card will eventually tell me payment's due and, when I go to pay, give me the option of paying from the account I set up.

I got the card today...or at least the ability to use it since I physically don't have the kryptonite one just yet. That one arrives in the next coming weeks, according to them.

There is no real need for this card, but I got it being the Apple(hate their politics/love their products) guy I am. I will probably use it sparingly - paying it off each month like an American Express. My rate is 17.99 so I have a little incentive to not run it up.

I already have a Chase Visa card in my Apple wallet.
Apple Pay already has a secure system so that your credit card number is not seen by the vendor; it’s some secure token system.
At this point I see no advantage in adding the Apple Card.
Tell me what I’m missing.

quote:

The safer way to pay.
When you make a purchase, Apple Pay uses a device-specific number and unique transaction code. So your card number is never stored on your device or on Apple servers, and when you pay, your card numbers are never shared by Apple with merchants.
Keep your purchases private.
When you pay with a debit or credit card, Apple Pay doesn’t keep transaction information that can be tied back to you. And when you use Apple Cash, information is stored only for troubleshooting, fraud prevention, and regulatory purposes.

quote:

Originally posted by ensigmatic:
Got a crappy interest rate, though. 18% . Given our nearly perfect credit score I am somewhat disappointed. I mean to pay the balance off, in full, at the end of each month, anyway, but still...

To each their own. I use credit cards as if they were “charge cards” - I’m happy to take advantage of float and any other benefits, but I couldn’t give a rats rump what the interest rate is because I am not going to pay any interest.

quote:

Originally posted by ensigmatic:
I set up a bank account for the card, but did not set up scheduled payments. What I expect to happen is the card will eventually tell me payment's due and, when I go to pay, give me the option of paying from the account I set up.

My guess is they will just pull from your bank account on the magic day. The amount may not be what your AC balance shows, as some charges are pending, and they don't indicate which are still pending anywhere I can see. When I just did the "pay early", the amount they wanted to take was less than the balance shown in the wallet, due to pending charges. On the magic day, they might show you what they're going to pull and ask for confirmation. It's too early yet to know that. Otherwise, the only way to know what they pulled is to check your bank account the next day.

quote:

Originally posted by sjtill:
At this point I see no advantage in adding the Apple Card.
Tell me what I’m missing.

Cash back. The AC pays 2% cash back on Apple pay transactions with the virtual card (1% with the physical card). Does your Chase Visa pay more cash back? Use whichever ones give the most cash back.
 
The AC does give 3% on purchases from Apple (store, online, iTunes, etc), and I've noticed other vendors are starting to jump on the 3% bandwagon, too. Time will tell how that shakes out.

Instructions:

https://support.apple.com/en-us/HT209226

Doesn’t seem much different than what I do on the banks web site now. You use the phone, instead of your computer, and Apple gets the money out of the account you select instead of the bank making the payment.

quote:

Originally posted by sjtill:
I already have a Chase Visa card in my Apple wallet.
Apple Pay already has a secure system so that your credit card number is not seen by the vendor; it’s some secure token system.
At this point I see no advantage in adding the Apple Card.
Tell me what I’m missing.

Agree – I don’t think that you’re missing anything. I’m a minimalist when it comes to credit cards – I have exactly one, and it’s linked to Apple Pay. Keeps things simple.

Just remembered – I do have a Nordstrom credit card to get the considerable Nordstrom discounts. Use it only at that store. Will have to add it to Apple Pay.

quote:

Originally posted by henryaz:

quote:

Originally posted by ensigmatic:
I set up a bank account for the card, but did not set up scheduled payments. What I expect to happen is the card will eventually tell me payment's due and, when I go to pay, give me the option of paying from the account I set up.

My guess is they will just pull from your bank account on the magic day.

Then what would be the purpose of setting up scheduled payments?

I guess we'll see come the due date.

quote:

Originally posted by henryaz:

quote:

Originally posted by sjtill:
At this point I see no advantage in adding the Apple Card.
Tell me what I’m missing.

Cash back.

And the security.

How many times have you seen, recently, people complaining of their CC data being compromised/stolen? Happened to my wife and I twice.

From How Apple Card Works:

quote:

Perhaps the biggest security feature of the offering is that Apple Card can generate virtual card numbers for online non-Apple Pay purchases. Though Apple said that the app would display your card info during the event, they weren’t specific on what that info would be so I got some more detail here.

• The physical Apple Card, of course, has no number. The app displays the last 4 digits of the card number that is on the mag stripe of the card only, you never see the full card number.
  
• Instead, Apple provides a virtual card number and virtual confirmation code (CVV) for the card in the app. You can use this for non-Apple Pay purchases online or over the phone. This number is semi-permanent, meaning that you can keep using it as long as you want.
  
• But you can hit a button to regenerate the PAN (primary account number), providing you with a new credit card number at any time. This is great for situations where you are forced to tell someone your credit card number but do not necessarily completely trust the recipient.
  
• Card numbers are manually regenerated only, and do not automatically rotate. There is, currently, no single-use number support or single-merchant number support.
  
• Each purchase requires a confirmation code, a fantastic additional security feature outlined by Zack Whittaker earlier in the week. This makes it even harder for someone to use your card, even if skimmed or copied, to make online purchases.
  

...
The physical card has a fixed number on the mag stripe, but you don’t know what it is. ... [You] can easily freeze the card with the app in case of theft or fraud.

On that last bit: You get an instant notification of your card's use, whether you use phone, watch, on-line or physical card. So, in the unlikely event your physical card does get cloned at a POS terminal: The instant you see an unrecognized charge you can freeze the card and initiate a replacement from Apple.

It should go w/o saying: The normal Apple Pay mechanism works the same with this card as any other card in Apple Pay: When you use Watch or phone to pay at a POS terminal, the terminal gets a virtual card number that's unique to every transaction and for only that transaction. So even if a POS terminal does clone the number, it'll do the criminals no good.

From what I’ve read, you set up one of your accounts to pay this card. You can only pay this card off in Apple’s Wallet app so you won’t get anything in the mail.

Later today, I will set up my bank’s debit MasterCard to pay my Apple Card monthly payment, and I will set it up to auto pay off the balance.

I’m not a cash back guy, but it will be neato to get instant cash back in Apple’s Apple Cash card so it can be instantly used instead of waiting a month.

quote:

Originally posted by ftttu:
I’m not a cash back guy, but it will be neato to get instant cash back in Apple’s Apple Cash card so it can be instantly used instead of waiting a month.

I don't know if it's instant. Maybe somebody else who's been using it longer than I can comment? I made the first purchase with it at about 8 p.m. yesterday and my cash back hadn't shown up by the time I went to bed a bit before midnight. It did show "pending." It was there this morning. Then again: I hadn't set up Apple Cash until about 10 or 11 p.m. last night, either.

quote:

Originally posted by ensigmatic:

quote:

Originally posted by ftttu:
I’m not a cash back guy, but it will be neato to get instant cash back in Apple’s Apple Cash card so it can be instantly used instead of waiting a month.

I don't know if it's instant. Maybe somebody else who's been using it longer than I can comment? I made the first purchase with it at about 8 p.m. yesterday and my cash back hadn't shown up by the time I went to bed a bit before midnight. It did show "pending." It was there this morning. Then again: I hadn't set up Apple Cash until about 10 or 11 p.m. last night, either.

I watched about 10 videos on the Apple Card last night, and that is where I got that information. The video said it was immediate, and that you didn't have to wait a month. If I find the video, I will post it here.

Also, earlier, I said I had to set up my bank account to make Apple Card payments, but I was surprised to see that my debit card defaulted to that. I was getting a fault message when I was trying to enter my account number and routing number when I finally realized the account was already set up. EDIT EDIT EDIT: around 5:15, it starts talking about getting cash back at end of day.
https://youtu.be/2Kk8JC_kbjM

quote:

Originally posted by ftttu:

quote:

Originally posted by ensigmatic:

quote:

Originally posted by ftttu:
I’m not a cash back guy, but it will be neato to get instant cash back in Apple’s Apple Cash card so it can be instantly used instead of waiting a month.

I don't know if it's instant. Maybe somebody else who's been using it longer than I can comment? I made the first purchase with it at about 8 p.m. yesterday and my cash back hadn't shown up by the time I went to bed a bit before midnight. It did show "pending." It was there this morning. Then again: I hadn't set up Apple Cash until about 10 or 11 p.m. last night, either.

I watched about 10 videos on the Apple Card last night, and that is where I got that information. The video said it was immediate, and that you didn't have to wait a month.

I suspect that, by "instant," they mean "not the end of the month." In fact I think "instant" means "the next business day following the transaction."

I say this because I charged something on Saturday and the cash back didn't appear until Monday.

Now, for those of you that ordered the physical card: How did Apple ship your card?