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Home / Mac / The credit card of the future is not a card at all – MacDailyNews

The credit card of the future is not a card at all – MacDailyNews



  Apple Card was created by Apple and designed for the iPhone and brings together Apple's hardware, software and services to transform the entire credit card experience.
Apple Card was created by Apple and designed for iPhone, bringing together Apple's hardware, software and services to transform the entire credit card experience.

Apple Card is mostly digital, but actually titanium cards – with just your name, Apple logo and chip – are a nice addition to your wallet, writes David Pierce for The Wall Street Journal:

The Apple card does pretty impression. The white titanium plate contains no number or expiration date – just your name, an Apple logo and the chip. Whip it out of your wallet, and it clumps together on a table with a lovely "tink" sound.

However, the card is not the point. The Apple card is basically a digital being, a combination of spending tracks and bill payers in an app on your phone. It is also something of an advertisement for Apple Pay, the company's technology for paying with your iPhone, Apple Watch or your Apple ID.

You apply for the card in the Wallet app, which guides you through a set of easy steps. Tap the plus sign in the upper right corner, select the Apple card, enter some personal data and income data, and you're off.

Goldman Sachs, Apple's card partner for banking, reviews your application, does a TransUnion credit check, and accepts or rejects. It works fast: During the time it takes to sign up for an app, I was approved for a new credit card. If you request a physical card, it will take a week before it arrives, but as soon as you are approved, you can start using the digital version on your phone.

MacDailyNews Take: Apple finally stimulates the use of Apple Pay. What a brilliant idea!

Apple, give us a reason to use Apple Pay beyond looking like technological dorks ahead of the line in the registry. What is the incentive to use Apple Pay? Nobody looks like a flaming nerd. As if Apple has no money. It is inexplicable how they approach Apple Pay. Hello, Tim? Eddy? Talk to some people who actually go to stores and shop things, please.

Stimulate the use! Give Apple Pay users a percentage of each dollar spent through Apple Pay to spend on Apple Stores. Something. Something! Get people to use it first. Sheesh. It's really not that difficult. It is not. – MacDailyNews, August 6, 2015


Think about the special media event to introduce the next generation iPhone next month, Apple CEO Tim Cook says something like this:

"And, of course, the new iPhone works with Apple Pay, and starting today for every $ 100 you spend on Apple Pay, you get $ 1 off in Apple retail and online stores. So spend $ 100 on groceries using Apple Pay, you get $ 1. Spend $ 300 on a plane ticket using the Delta app, you get $ 3. Use Apple Pay in the ExxonMobil Speedpass + app to buy gasoline. It all adds up! By the end of the year you will probably have a fairly low discount on your next iPad, Mac or iPhone! ”

Would you use Apple Pay more if Tim Cook said something like that? We know we certainly would. – MacDailyNews, August 5, 2016


There is no better way to pay than with Apple Watch and Apple Pay. Two simple things can turbocharge Apple Pay usage: Better (or actual) signage at the point of sale and incentives to use Apple Pay. Imagine Apple Pay usage if Apple simply offered $ 1 to spend in the Apple Store for every hundred spent using Apple Pay. – MacDailyNews, November 30, 2016


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