Oh, I thought this was a serious discussion. Not a Snark fest.
Sent from my iPhone > On Mar 29, 2019, at 8:53 PM, lenron brown <lenro...@gmail.com> wrote: > > Ha but knowing apple they would do something like that. > >> On 3/29/19, Cristobal Muñoz <cristobalm...@gmail.com> 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: viphone@googlegroups.com <viphone@googlegroups.com> On Behalf Of >> Sieghard Weitzel >> Sent: Friday, March 29, 2019 7:13 PM >> To: viphone@googlegroups.com >> 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: viphone@googlegroups.com <viphone@googlegroups.com> On Behalf Of >> Victor Gouveia >> Sent: Friday, March 29, 2019 2:06 PM >> To: viphone@googlegroups.com >> 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: viphone@googlegroups.com >> >> 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 >> >> talk2o...@gmail.com >> >> "If God can bring you to it, >> >> He will lead you through it." >> >> >> On Mar 28, 2019, at 11:53 PM, Sieghard Weitzel <siegh...@live.ca> 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: viphone@googlegroups.com <viphone@googlegroups.com> On Behalf Of >> KliphnShari Miller >> Sent: Thursday, March 28, 2019 4:40 PM >> To: viphone@googlegroups.com >> 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 >> public-beta-users+subscr...@groups.io >> 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: >> mk...@ucla.edu. 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Mark can be reached at: >> mk...@ucla.edu. Your list owner is Cara Quinn - you can reach Cara at >> caraqu...@caraquinn.com >> >> The archives for this list can be searched at: >> http://www.mail-archive.com/viphone@googlegroups.com/ >> --- >> You received this message because you are subscribed to the Google Groups >> "VIPhone" group. >> To unsubscribe from this group and stop receiving emails from it, send an >> email to viphone+unsubscr...@googlegroups.com. >> To post to this group, send email to viphone@googlegroups.com. >> Visit this group at https://groups.google.com/group/viphone. >> For more options, visit https://groups.google.com/d/optout. >> > > > -- > Lenron Brown > Cell: 985-271-2832 > Skype: ron.brown762 > > -- > 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: > mk...@ucla.edu. Your list owner is Cara Quinn - you can reach Cara at > caraqu...@caraquinn.com > > The archives for this list can be searched at: > http://www.mail-archive.com/viphone@googlegroups.com/ > --- > You received this message because you are subscribed to the Google Groups > "VIPhone" group. > To unsubscribe from this group and stop receiving emails from it, send an > email to viphone+unsubscr...@googlegroups.com. > To post to this group, send email to viphone@googlegroups.com. > Visit this group at https://groups.google.com/group/viphone. > For more options, visit https://groups.google.com/d/optout. -- 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. 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