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In the early morning of March 26, Sina Digital News reported that just after the spring press conference, Apple announced the "Apple Card", which the company called "a new type of credit card developed by Apple rather than a bank".
This credit card was developed by Apple in cooperation with the investment bank Goldman Sachs, so it does not have a bank account at all.However, despite the cooperation with traditional banks, Apple has still done some interesting things through Apple Card, which is worth mentioning in detail.
Apple Card+Wallet
One of the most interesting details about Apple Card is that it is highly integrated with the "wallet" app on iOS.Apple said its goal is to help you know more about your consumption in less time.For example, the company is using a combination of machine learning and location services to make the bill clearer.
For example, if you have a purchase of $46.32, the traditional credit card can only check the merchant name on the bill, and then remember where you spent the money.Apple Card uses maps to determine where you bought something.There is no mysterious business organization code. It is unnecessary to guess the name of the store and its location on the map.
The Wallet app has some new functional designs to accommodate Apple Cards.For example, you can click on a single transaction to view details such as prices, daily cash, categories, and the location of the transaction on the map.
Calculate income, check expenses and repayment
Apple also learned the three ring system from the Apple Watch, allowing you to intuitively understand your expenses, installment interest, balance and other information.
The wallet will also provide advice to help avoid unnecessary expenses.You can also set automatic repayment every week or every two weeks to manage your own expenses.
Apple explained:
"The best way to reduce credit card interest is to pay in full every month. If you can't do this,Apple Card will help you calculate how much you have to pay and how much interest you have to pay.Choose the amount you want to pay back - say, $530, $780, $1025 - and Apple Card will calculate your interest. "
btw：For Americans who rely on credit cards, this is a very good function, but domestic users may not feel so obvious about it.
The new features of wallet also make it easier to view your expenses by category.Each category has a color that allows you to view daily, weekly, or monthly expense details.This will make it easier to see where you spend the most and where you can cut back.
About cash back
The most interesting detail of Apple Card is its cash back mechanism.Apple said that customers will get "Daily Cash" when shopping with Apple cards.The cash return will be directly deposited into the Apple Pay cash card.Use it to repay debts, or transfer it directly to your bank account.
1) Whether you buy Apple hardware and software products in Apple Store, Apple website, Apple App Store or iTunes, you can get 3% rebate.Including games, in app purchasesApple Music subscription, even the additional payment of iCloud storage plan;
2) Everyday shopping with Apple Pay can get 2% rebate, without category restrictions.As long as you use this card, whether it is a supermarket or a taxi, you will get a discount of 98%.
3) If you happen to encounter a store, website or app that does not accept Apple Pay, the (entity) Apple Card will still return 1% of your consumption amount in the form of daily cash back.
The annual fee of this card is 0, with 1-3% refunds.This is a waste of money for users, especially for subscribing to iCloud storage spaceWhen the App Store purchases an App, Apple's 3% return is very attractive.
Brush stealing detection
If Apple finds a potential steal, it will immediately send you a push notification.The user can report the problem as soon as possible, or mark "OK" to indicate that there is no stealing.
Apple Card also integrates Apple Business Chat function.Users communicate directly with customer service through iMessages, so if you need to report the problem of stealing and swiping, just send a text message. There is no need to call.
About the charge of this card
Apple said,Apple Card "does not charge any fees, even hidden fees", but this does not include credit card interest.Apple said that the variable annual interest rate would range from 13.24% to 24.24%.
If you miss the repayment, although there is no overdue fine for the principal, the interest will increase at a faster rate.
That beautiful physical card
The electronic credit card without physical card is not Apple's first.In fact, Apple Card also has a physical card, which is made of titanium metal and laser etched.Although Apple did not say, we guess that this card is for self-service gas stations or does not support Apple Pay and other environments.
Titanium Apple Card
Unlike traditional cards, this card does not have a card number, expiration date or security code, but only has the Apple logo and user's name, as well as a card swiping chip.Account information is also synchronously stored in the wallet app.MasterCard is the issuer, so you can use it all over the world, as long as it supports "Mastercard".
Apple Card will be launched this summer and can be applied directly in the wallet app, but at present Apple has not announced when Chinese users can apply.
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