Ha but knowing apple they would do something like that. On 3/29/19, Cristobal Muñoz <[email protected]> wrote: > Maybe they’ll take a sneak peak at your Apple user profile and if you’ve got > just one booty old sucker iPhone from X generations ago, you’ll get stuck > with the higher interest rate where as if you’ve got multiple iOS devices of > newer generations, they’ll *wink wink* take care of you with the better > rate… > > I’m of course being facetious… > > > > From: [email protected] <[email protected]> On Behalf Of > Sieghard Weitzel > Sent: Friday, March 29, 2019 7:13 PM > To: [email protected] > Subject: RE: Apple Card tidbits: No support for shared accounts, security > details, penalty interest rates, more - 9to5Mac > > > > Then what does it have to do with? There must be some criteria why you may > get 13% and somebody else gets 24% interest rate. > > > > From: [email protected] <[email protected]> On Behalf Of > Victor Gouveia > Sent: Friday, March 29, 2019 2:06 PM > To: [email protected] > Subject: Re: Apple Card tidbits: No support for shared accounts, security > details, penalty interest rates, more - 9to5Mac > > > > Hi Joney, > > > > This is not true, according to Apple’s terms for this new card, the > introductory interest rate has nothing to do with your credit score. > > > > This stated directly in their terms and conditions for the card. > > > > Victor > > > > From: Joney > > Sent: Friday, March 29, 2019 9:21 AM > > To: [email protected] > > Subject: Re: Apple Card tidbits: No support for shared accounts, security > details, penalty interest rates, more - 9to5Mac > > > > Your credit score will determine where do you get 13 or 24% interest. The > higher your credit score, the lower your interest rate. > > Joney > > [email protected] > > "If God can bring you to it, > > He will lead you through it." > > > On Mar 28, 2019, at 11:53 PM, Sieghard Weitzel <[email protected]> wrote: > > I wonder what determines whether your Apple card gets 13% interest or 24% > and also what exactly they mean by “no penalty”. > > If I don’t pay my statement balance in full by the due date I don’t get a > penalty either, but I am being charged interest and as we all know, interest > on credit cards are high whether they are 13%, 19% or 24% > > Especially if you consider how low interest rates still are, I pay less than > 3% on my mortgage and a line of credit here in Canada is typically anywhere > between 6% and 8% depending on your situation and ability to back the line > of credit with equity in your home. > > What was written about being able to basically generate new card numbers is > interesting and a constantly changing CVV would also make fraud difficult. > > > > new card numbers being genew > > > > depending on > > > > From: [email protected] <[email protected]> On Behalf Of > KliphnShari Miller > Sent: Thursday, March 28, 2019 4:40 PM > To: [email protected] > Subject: Apple Card tidbits: No support for shared accounts, security > details, penalty interest rates, more - 9to5Mac > > > > <https://9to5mac.com/author/chmiller44/> Chance Miller > > > > One of the most interesting announcements from Apple’s event > <https://9to5mac.com/2019/03/25/apple-unveils-apple-card-in-partnership-with-goldman-sachs/> > on Monday was the Apple Card. While a number of details > <https://9to5mac.com/2019/03/25/apple-card-tidbits-wallet-integration-daily-cash-details-no-fees-more/> > about the card were revealed on Monday, > <https://techcrunch.com/2019/03/28/how-apple-card-works/> TechCrunch is out > today with a closer look at Apple Card and how it works. > > TechCrunch’s Matthew Panzarino explains that the version of Apple Card shown > on Monday is Apple’s “version 1.” This means that, much like other Apple > products, the company will be “iterating on the contest with new features > and benefits.” > > One of the things about Apple Card that Apple touts is that it will offer > “interest rates that are among the lowest in the industry.” The fine print > here says that rates will vary between 13 percent and 24 percent, which is > rather standard in the credit card industry. Panzarino notes of two things > Apple will be doing to set itself apart here. > > For one, there is no “penalty interest rate” on Apple Card. Apple touted on > stage on Monday that there would be no fees for late payments, which led > some to speculate that Apple would increase your interest rate if you were > late. That isn’t the case. > > Penalty rates are an increase of your interest rate if you fail to pay on > time. That is not true. Apple Card has no late fees and no penalty rates. > You will continue to pay your agreed upon interest rate on your outstanding > balance, but that rate will not go up. It will impact your credit score, as > Apple does do standard reporting. > > Further, Apple will attempt to “place Apple Card users at the low end of > their interest rate tier.” This means the company will try to “shift you to > the bottom of a tier when you qualify” as opposed to having you pay the > interest rate that correlates exactly to your credit score. > > Other details of note include that Apple Card does not require a signature, > as well as the fact that the physical card has a “fixed number on the mag > stripe, but you don’t know what it is.” The only thing you see are the last > four digits. There is also no support for multiple users or shared cards, > while replacement cards are free. You’ll also have to have two-factor > authentication setup. > > In terms of security, Apple Card will allow you to generate a new credit > card number at any time through the Wallet app. Furthermore, your CVV will > refresh at every transaction. > > 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 > > Each purchase requires a confirmation code (CVV) that will refresh every > transaction. > > Last but not least, Panzarino offers some color on why Apple decided to base > the Apple Card rewards system on cash back instead of points or miles. > Essentially, Apple wanted “the simplest, most universal benefit structure,” > which is cash. > > Read TechCrunch’s <https://techcrunch.com/2019/03/28/how-apple-card-works/> > full report on Apple Card here, which offers up more detail on Apple Pay > Transit and more. Earlier this week, we showed you the unique > <https://9to5mac.com/2019/03/27/apple-card-activation-ios/> setup process of > Apple Card in the Wallet app. > > > > Are you testing an apple beta? want to discuss bugs with other testers? > Then come join a friendly, helpful, laid back community where we can squash > these bugs together, and report them to apple. Subscribe here > [email protected] > Because of the non disclosure agreement, I have to say if your not a beta > tester, please don’t join the group. > > > > > > -- > The following information is important for all members of the V iPhone > list. > > If you have any questions or concerns about the running of this list, or if > you feel that a member's post is inappropriate, please contact the owners or > moderators directly rather than posting on the list itself. > > Your V iPhone list moderator is Mark Taylor. Mark can be reached at: > [email protected]. 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Mark can be reached at: > [email protected]. 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