Apple Card

Apple Card, a credit card product jointly developed by Apple and Goldman Sachs Investment Bank, was officially launched in the United States last week and has now accepted public applications. Some data show that the application pass rate of this credit card is very high, which coincides with Jobs' idea many years ago. [Details]

Apple is the leading enterprise in the field of personal computers and smart phones. In March this year, Apple unexpectedly announced at the spring conference that it would enter the field of personal finance, and disclosed that the company has cooperated with Goldman Sachs to launch Apple's first credit card, Apple Card, which aims to solve the compatibility between Apple Card and Wallet, Since today, some users have been given the opportunity to apply for Apple Cards. Apple chose to open the application for Apple Card to a few users today, which is not a temporary intention. At the quarterly financial report conference call in July, the company said that it would open the application in August. From the known information, it is obvious that this is the first batch of users who have obtained the application for the qualification today. Apple said that today's application qualification is only open to a few users. The first batch of users should have registered and submitted information at the press conference. If you have registered at that time, you should pay attention to your email recently. Maybe you are one of the first batch of lucky users. However, we should also know that even the selected users are not necessarily able to receive Apple Card credit cards. Because after obtaining the application qualification, these users still have to apply. During the application process, they need to use iOS 12.4 devices and input personal information such as name, phone number, address, date of birth, income level and so on to wait for review. If the information of a few of them fails to pass the review, of course, they will not receive this Apple Card. From the known information, Apple Card does not charge annual fees, but it still has interest like other credit cards, with the annual interest rate ranging from 13.24% to 24.42%. In addition, an important reason for netizens to pay attention to Apple Card is that Apple Card has a consumption incentive plan. If you use Apple Card to consume, you can get a 2% reward of the consumption amount. If you use it to purchase Apple products, you will get a 3% rebate reward. If you use Apple Card physical card to purchase, you can also get a 1% reward of the purchase amount. Apple has uploaded a large number of videos related to Apple Cards on YouTube, a well-known video website. It doesn't matter if you are not the first batch of users allowed to apply for Apple Cards. According to foreign media, Apple may open Apple Cards to all users of the company before the end of August, so even if you are not selected today, You can apply again in a few days. [Details]

Tim Cook previously said that Apple credit cards will be delivered at the company's last financial report conference call in August. On August 6, the new credit card jointly issued by Apple and Goldman Sachs has started to be issued in advance and will be provided to all iPhone users in the United States later this month. Apple Credit Card Apple said that it would randomly select people who registered Apple credit cards to issue them, but did not disclose the exact number. Apple said that Apple's credit card is not intended to compete directly with high-end cards such as Chase or American Express Platinum cards. Its goal is to enable every iPhone user to use it, so the registration requirements will not be as strict as those cards. The registration process only requires iOS 12.4, the last four digits of the cardholder's address, birthday, income level and social security number. Users can also apply for a credit card made of titanium alloy for free during the setting process. Apple Wallet In the final analysis, Apple cannot issue credit cards without a bank. Goldman Sachs is the bank behind it. Apple provides the user experience of using the card, but the card itself is still a credit card issued by Goldman Sachs. When you click the "Help" button in Apple Wallet, the customer service of Goldman Sachs will greet you. Apple said that the two companies are working closely, and Goldman Sachs employees are receiving Apple technical training. [Details]

On August 6, it was reported that Apple recently officially updated the introduction page of Apple Cards in the United States. It was shown in the introduction that some Apple users had received invitations, and the email showed that Apple Cards would be open soon, but no specific time was given. Apple Card update introduction page: Some users have started to use Apple to officially launch the credit card service Apple Card on the autumn release in March. Earlier, it was reported that Apple was ready to officially launch Apple Card in August this year. Recently, Apple CEO Tim Cook confirmed this in the financial report conference call. The overall design of Apple Card is simple, and the card is made of titanium alloy. One side is Apple LOGO, EMV IC chip, and the other side is the LOGO of partners Goldman Sachs and MasterCard. When applying for an Apple Card, the user can first apply for an electronic card directly in the Apple Wallet wallet, and then apply for a physical card after approval. [Details]

On July 31, the webmaster's home (ChinaZ. com) reported that Apple today released its financial results for the third quarter of fiscal 2019. According to the financial report, Apple's revenue in the third fiscal quarter was $53.809 billion, up 1% year on year; Net profit was US $10.044 billion, down 13% year on year. Subsequently, Apple CEO Tim Cook and others attended the financial report conference call. Cook said on the financial report conference call that Apple Card will be launched in August, and Apple plans to launch a number of new products in autumn. Apple Card has many highlights. It has no card number, no CVV code, no validity limit, and no need to sign. In the process of use, Apple Card can be highly integrated with the wallet app in iPhone, and can enjoy up to 3% cash back when swiping the card. At the same time, it can enjoy such benefits as free annual fee and low interest, which is very attractive. [Details]

Foreign author @ ChanceHMiller wrote this article on the occasion of the official launch of Apple Card. [Details]

[TechWeb] On August 6, according to foreign media reports, Apple officially launched a virtual credit card Apple Card for users. Apple has updated the introduction page of Apple Card in the United States and sent an email invitation to some Apple users. Users who receive the invitation can apply for opening Apple Card through the iPhone wallet application. To open an Apple Card, users need to update the system to iOS 12.4. After the application is approved, users can use Apple Card directly through Apple Pay. In March this year, Apple released its Apple credit card at the spring launch. At that time, Apple said that consumers could get 2% cash back through Apple credit cards when using Apple payment services for shopping settlement. Apple Cards are different from traditional credit cards in that they do not have numbers visible to the naked eye. Each iPhone corresponds to a virtual card, and users can also apply for a physical card. The overall design of the Apple Card physical card is simple, and the material is titanium alloy. One side is the Apple logo, and the other side is the logo of partners Goldman Sachs and MasterCard. It should be noted that at present, Apple Card only supports the application of American users, and only sends invitations to a few users. As for when to push to all iPhone users, it is not known at present. However, in the recent financial conference call, Apple CEO Cook confirmed that Apple Card will be fully launched in August. [Details]

According to Reuters, Apple officially launched its virtual credit card Apple Card to consumers today. [Details]

The highly anticipated Apple Card credit card service will be officially launched in the United States in the coming weeks. Bloomberg said that Apple Card will be launched in early August, which is the "summer" mentioned by Apple at the press conference. [Details]

The participation of thousands of retail employees marks the first large-scale test of Apple Card credit cards. Apple can find and solve loopholes and other problems before releasing them to the public. [Details]

CNBC, a foreign media, today reported some stories behind Apple Card credit cards. This includes the cooperation between several well-known banks or financial groups in the United States and Apple, and why Goldman Sachs, the investment bank, ultimately undertook this business. [Details]

Ben Geskin, a well-known foreign digital product informant, showed the live pictures of Apple Card credit cards and shared some details, such as the NFC chip on the card's package. [Details]

Many details of this card were not explained clearly in the press conference. This article will explain it in detail. [Details]

There is no charge for physical cards, although (titanium alloy) costs a lot. There will be no extra charge even if the card is lost. After the card is stolen, you can freeze the card in the App. [Details]

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. [Details]