Saturday, November 26, 2022

How Do I Apply For An Apple Credit Card

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If Your Application Is Approved

How To Apply For The Apple Credit Card – Apple Card Explained!

You have up to 30 days to accept your offer. If you accept your offer and add Apple Card to your eligible iPhone or iPad, you can:

Ways To Earn Unlimited Cash Back: Citi Double Cash Card 18 Month Bt Offer

If you’re craving simplicity in your quest for rewards, you might find the Citi® Double Cash Card 18 month BT offer card to have an easier rewards structure to keep up with. The card lets you Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

For those who don’t buy a lot of Apple products or don’t want to worry about shopping with certain merchants, the Citi® Double Cash Card may offer a more constant flow of rewards.

Order A Free Titanium Apple Card For A Participant Under 18

If you’re the account owner or co-owner of an Apple Card Family account, order a titanium Apple Card for any participants on your account who are under 18.

  • Open the Wallet app on your iPhone and tap Apple Card.
  • Tap the more button
  • Scroll down to Physical Card and tap Request.
  • Follow the instructions on your screen.
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    Using Apple Card With Apple Pay

    Apple Card is designed to work with any other credit or debit card stored in the Wallet app for use with Apple Pay. You can set it as the default card and use it for in store purchases on iPhone and online purchases on Apple Watch, iPhone, iPad, and Mac.

    Does Apple Card Have Any Special Purchase Plans Or Bonuses

    How to remotely remove your credit and debit cards from ...

    During its fourth quarter 2019 financial earnings call, Apple CEO Tim Cook revealed a special program for new iPhone buyers. Using the Apple Card, you can get a special 24-month installment plan with no interest or fees. And since its an Apple puchase, you get 3 percent cash back. However, during the call, Apple did not announce when this plan will be available.

    In June 2020, Apple expanded its zero-percent financing for Apple Card users to all products except Apple Watch. No matter which Apple product you buy, you can get spread your payments over six or 12 months, depending on your purchase. The monthly installments are similar to the promos offered with the Barclaycard Financing Visa, though where those are related to price, the Apple Card financing is based on product line. Learn more.

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    Sometimes Tech Is Stranger Than Fiction

    + WeWork reportedly wants to hire T-Mobiles brash CEO John Legere as its new boss

    I had to restrain myself from posting photos of Legere in his 2012 very-expensive-suit Global Crossing executive days. I think Legere is best understood as a ruthless telecom executive who has been remarkably effective and remarkably struck on a great PR and marketing strategy for T-Mobile, and for whatever reason I think old photos of him before his T-Mobile transformation are instructive. But then I imagine people posting 7-year-old photos of me to make a point and I realize its a bit of a cheap shot.

    Nilay Patel tweeted some good analysis, though:

    1. SoftBank invests in Sprint, installs Marcelo Claure as CEO2. Marcelos Sprint rescue plan is selling to T-Mobile and John Legere3. SoftBank invests in WeWork, installs Marcelo as exec chairman4. Marcelos rescue plan is… John Legere

    I am SO SURE that Googles example warning image just happens to be a lowercase e inside a blue square. A small blue e is totally common and not at all associated with a competing browser, right?

    Determine If Youre Eligible For The Apple Card

    To be eligible for the Apple Card, you must meet the following criteria:

    • Age and geographic requirements: You must be a U.S. citizen or resident, with a physical U.S. address who is at least 18 years old. A military address is also allowed. You may need to prove your identity with a photo ID.

    • Technical requirements: Your iPhone and other Apple devices must be compatible with Apple Pay. Upgrade to the latest iOS if you havent yet, sign in to your device with your Apple ID and use two-factor authentication.

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    Apple Card* Vs Chase Freedom Flex

    The Chase Freedom Flex card has a generous rewards structure with no loyalty to Apple required. For an annual fee of $0, the card earns 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

    Chase has been known to include retailers like Amazon, Target and Walmart as quarterly bonus categories and if youve been eyeing a new Apple device, youd fare better with the Flex. Plus, the Freedom Flex comes with a terrific welcome bonus: $200 bonus after spending $500 on purchases in the first 3 months from account opening and 5% cash back on grocery store purchases on up to $12,000 spent in the first year. For many consumers, the Freedom Flex is likely a more rewarding option overall than the Apple card.

    Apple Credit Card For Canadians

    Apple Card: How To Find Credit Card Information

    A growing number of Canadian residents are becoming Apple fans in 2021. Whats truly amazing is that they are not falling in love with this Silicon Valley giant due to their laptops or smartphones, but because of their innovative credit card.

    Since Apple launched its first credit card in March 2019, a growing number of Canadians have become poised to try out it. Even though this card is only available in the US at the moment, its important to be aware of its perks and features, especially as Tim Cook is planning on expanding in new markets, including Europe, Canada and Australia.

    In the Great White North, the Apple Credit card is a hot topic of discussion among journalists, finance enthusiasts, and of course regular Apple fans. In this Apple credit card review, we want to take a closer look at how this card works and it can allow you to stay on top of your finances in the years to come.

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    Tracking Spends And Budgeting

    What you might have seen only on your business credit cards with the Management Information Systems, the Apple credit card helps you keep a track on your spends and help you budget every month.

    More so, all your transactions are recorded on the Apple Pay app with colour codes for various categories of expenses. For example, Orange for Food and Drinks, Pink for Entertainment, etc.

    The app also provides you with a weekly and monthly expenditure summary with the same colour codes to help you budget better.

    Hands On With The Physical Apple Card

    It took nearly two weeks for my card to arrive in the mail, and the anticipation of receiving and inspecting it was similar to waiting for other Apple products. The presentation of the box and the meticulously machined, stamped slice of titanium is unlike any other credit card I have received. It has a weighty feel and makes a satisfying steely sound when placed on a table just the kind of sound power lunch executives love to hear.

    As with other Apple hardware, the card screams to be encased in a protective shell to preserve its pristine, brushed metal perfection. Indeed, Apple has posted warnings on its website for OCD types like me, reminding us to keep the card from rubbing against denim and leather, or even coming in contact with other credit cards for fear of creating scratches or blemishes. Consequently, Apple Card users who prefer to keep their cards in a factory-stamped, fresh state might want to keep it wrapped in the sleeve it arrived in or perhaps tucked away in a locked drawer somewhere.

    Of course, iPhone case vendors like Dbrand have already recognized this as a market opportunity and offer a collection of Apple Card skins and wraps. I opted for a less expensive solution and used a plastic trading card sleeve to protect my card. That way, I could still carry it in my wallet to show it off to my friends and coworkers, while protecting it from coming into contact with the real world.

    Read Also: Easiest Department Store Credit Cards To Get Approved For

    How To Sign Up For The Apple Card

    To get started, you’ll need an iPhone running the lastest version of iOS. You’ll need to be 18 years or older and a U.S. resident to sign up. Apple requires you to have two-factor authentication turned on, and if you’ve put a freeze on your credit report, you’ll need to lift that so that Goldman Sachs can run a credit check on you once you apply. It would also be a good idea to have a drivers license or state ID card within reach in case you’re asked for additional info during the sign-up process.

    Once all that’s squared away, here’s what you need to do.

    1. On your iPhone, sign into iCloud using your Apple ID .

    2. Launch the Wallet app on your phone, and hit the big Plus icon that’s at the top of the screen. When Apple Card launches, you’ll have the option of selecting Apple Card to begin the sign-up process.

    3. You’ll be prompted to fill in your first and last name, date of birth, home address, the last four digits of your social security number, your country of citizenship and an estimated annual income. Goldman Sachs may prompt you for more info when you apply, such as your full social security number or a scan of a drivers license or state ID card.

    4. Agree to the terms and conditions of Apple Card, and the application process is complete.

    Once you’ve accepted Apple’s terms, you’re ready to start using your Apple Card just like you would any card stored in Apple Pay.

    How Do You Apply For The Apple Card

    How to Set Up Apple Pay and Add Credit Cards

    If you have an iPhone, applying for the Apple Card is easy. Simply open the Wallet app, tap the plus sign and select Apply for Apple Card. Confirm or update your personal information with Apple, then review and accept the terms and conditions.

    If your application is accepted, the card is instantly added to your Apple Wallet meaning you can begin making purchases right away. You can then request a titanium Apple card that will arrive later in the mail.

    If your application is denied, Apple may invite you to participate in its new Path to Apple Card program. This unique program gives denied applicants detailed information regarding the reasons their application was denied, as well as tasks they can complete to help them improve their credit. If you complete the Path to Apple Card program successfully, youll have the option to reapply for the Apple Card.

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    Apple Card: All The Details On Apple’s Credit Card

    Apple in August 2019 released the Apple Card, a credit card that’s linked to Apple Pay and built right into the Wallet app. Apple is partnering with Goldman Sachs for the card, which is optimized for Apple Pay but will still works like a traditional credit card for all of your transactions.

    There’s a lot of fine print associated with the new Apple Card, so we’ve created this guide to provide details on what you can expect when signing up for the card. Apple Card has been available since 2019, and Apple is continuing to add new features. You’ll find everything that you need to know about Apple Card below.

    Is The Card For You

    Although the Apple card offers some unique features that can help motivate cardholders to stay on top of their debt, the rewards program can easily be bested by other cards. Theres a bushel of other no-annual-fee rewards cards that offer welcome bonuses, intro APR offers and other perks. Choose one of those options over this bad apple.

    To view rates and fees of the Blue Cash Preferred® Card from American Express, please visit this page.

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    Thin Or Damaged Credit File Or Other Negative Financial History

    Your credit report may contain information that makes you seem like too much of a lending risk. This can include currently or recently past-due debt obligations such as mortgages, auto loans, personal loans and utility bills, as well as bankruptcies, recent repossessions of property and more.

    Tip: Apple also calls out excessive new credit accounts, a high number of recent applications for credit and multiple maxed-out credit cards as potential red flags.

    You can also be denied for having a limited credit history or if you have negative public records not included in your credit report, such as tax liens or a civil judgment against you.

    Additionally, Apple notes that having a checking account recently closed by a bank often the result of repeatedly spending more than your available account balance or failing to bring a negative account balance to positive could lead to denial.

    Banking account information is available via your ChexSystems report. While card issuers typically do not use ChexSystems when making approval decisions, Apples listed criteria and multiple user reports indicate that Goldman Sachs may be checking this report, either directly or via a credit bureau.

    Buying With Apple Card Gives You All These Great Benefits Too

    Apple Credit Card Now Open to All US Customers, How to Apply

    Unlimited Daily Cash back with every purchase, including 3% at Apple and 2% when you use Apple Card with Apple Pay.

    No fees. Not even hidden ones.

    The privacy and security you expect from iPhone.

    An Apple-designed titanium card that can be used anywhere Mastercard is accepted.

    See if youre approved without impacting your credit score.

    Already have Apple Card? Theres no additional application needed. Just choose Apple Card Monthly Installments when you check out.

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    Adding Apple Card To Other Devices

    You’re not restricted to using Apple Card with your iPhone, even if you need to use that device to sign up for the credit card. Once your Apple Card is active, you can add it to other Apple devices for handling mobile and online payments. Here’s how.

    Apple Watch: Launch the Watch app on your iPhone, and go to the My Watch tab. From there, select Wallet & Apple Pay and find the Other Cards on Your Phone section. Tap Add next to the Apple Card.

    iPad: Launch the Settings app on your tablet, and select Wallet & Apple Pay. From there, you’ll be able to add your Apple Card.

    Mac: If you’ve got a Mac with built-in Touch ID, head to System Preferences and select Wallet & Apple Pay, clicking the plus button and selecting your Apple Card. For Macs that don’t have Touch ID, turn on Allow Payments on Your Mac through the Settings app on your iPhone.

    Who Qualifies For The Apple Card

    To get an Apple Card, you need to be 18 years or older and be a U.S. citizen or a lawful U.S. resident with a U.S. residential address .

    An iPhone running iOS 12.4 or later is required to use the Apple Card, and it will not be available if you do not have an iPhone. Two-factor authentication must be turned on, and you must be signed in to iCloud on your iPhone with your Apple ID.

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    Cash Back Redemption On A Daily Basis

    One of the most gratifying features of the Apple Credit Card is the fact that you don’t have to wait for your rewards. Every day, whenever you use your credit card, your cash back is deposited in the Apple Cash card located in the Wallet app. From there, you can spend the money in a number of ways. You can pay for items or services with it, make a credit card payment or even transfer it from the Cash card to your bank account.

    How Do I Find Out My Credit Score

    Apple Card: All the Details on Apple

    There are a number of ways you can find out your credit score, and a lot of them are free. For a long time, people were only able to check their credit score once per year for free and would have to pay a fee each additional time. That has since changed, and there is now a multitude of services that allow you to track and check your credit score as many times as you would like without paying anything. A few of these services, like , provide your credit score for free as well as a host of other things like free tax returns, unclaimed money, and help with disputes on your credit. A lot of credit cards have started to provide free credit scores to their cardholders as well, so check with your card providers to see if it is an included benefit with your card.

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    You Spend Heavily In Specific Everyday Categories

    You may pony up for a new MacBook Pro once every few years, but if your everyday spending is focused primarily on a specific area, other cash-back cards may make more sense. Maybe you have a large family and do the bulk of your spending on groceries and gas. The Blue Cash Preferred® Card from American Express earns 6% cash back at U.S. supermarkets, on up to $6,000 a year in spending 6% cash back on select U.S. streaming subscriptions 3% cash back at U.S. gas stations and on transit and 1% cash back on all other purchases. Terms apply . Or perhaps you hit the town regularly? The Capital One SavorOne Cash Rewards Credit Card earns 3% cash back on dining, grocery stores and entertainment, including streaming services, and 1% everywhere else.

    Read through Nerdwallet’s full list of best rewards credit cards for more options.

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