On Aug 16, 2019, at 7:50 AM, M. Taylor <mk...@ucla.edu> wrote:
This is how you set up your Apple Card for iPhone
Plan on signing up for an Apple Card? Read this.
By Jason CiprianiAugust 10, 2019 6:00 AM PDT
The look of your Apple Card is always changing.
Jason Cipriani/CNET
Earlier this week, Apple began sending out invites for its newest product,
the Apple Card. The preview period will only last a few more weeks, as
Apple
plans to launch its new credit card later in August.
Apple's approach to mobile payments can be confusing, considering it now
offers Apple Pay, Apple Cash and Apple Card, which are different services
that work in similar, yet different ways. (CNET's Jessica Dolcourt does a
fantastic job of breaking down the differences.)
With the Apple Card, Apple took a new approach to how users interact with
and manage a credit card. From a simple sign-up process to viewing your
spending habits, earning Daily Cash and paying your bill -- everything
Apple
Card-related is done on your iPhone.
Video: Apple Card FAQ: What you need to know
I was able to get an invite for the preview, and after reading through the
fine print, I decided to sign up.
How to sign up
For the next few weeks, Apple is slowly rolling the Apple Card via a
preview
program. If you signed up to be notified of its launch, then you have a
chance of getting randomly selected to participate. The Apple Card will
fully roll out in the US by the end of August, meaning preview invites
will
no longer be required. Make sure your iPhone ($1,000 at Amazon) is running
iOS 12.4 before you try to sign up.
Signing up for an Apple Card takes under a minute.
The sign-up process is the same, whether you receive an invite or wait for
the full launch:
1.
Open the Wallet app on your iPhone.
2.
Tap the + button in the top right corner.
3.
If you see a screen explaining what Apple Pay is, tap Continue.
4.
Select Apple Card from the list of available payment methods.
5.
Apple fills out most of the sign-up form for you using your Apple ID
information. You'll need to confirm the information, add the last four
digits of your social security number, enter your annual income and accept
the Apple Card terms and conditions.
6.
Once you're done, you'll receive an offer with what your credit limit and
interest rate will be. Tap Accept Apple Card to open your Apple Card
account. Select No Thanks if you change your mind.
Once you accept the offer, you'll be asked if you want to set Apple Card
as
your default card. If you select Use as Default Card your Apple Card will
be
triggered for all contactless payments, and your Apple payment source for
the Apple Store (apps, movies, subscriptions) will be changed to use the
Apple Card.
Lastly, during the sign-up process, you're asked if you want to receive a
physical Apple Card in the mail for use in places that don't have
contactless payment systems. If you don't want a physical card right now,
you can always request one later on.
There are multiple ways to pay with your Apple Card.
Using your Apple Card
Immediately after opening your Apple Card account, you'll have a digital
version of the card available in Apple Pay. You can begin using it to make
purchases right away -- I bought some coffee at Starbucks just a few
minutes
after setting my account up.
The process for using your Apple Card through Apple Pay is the same as
it's
always been: Place your phone near a payment terminal and use Touch ID or
Face ID to approve the transaction.
Apple will also add your Apple Card to Safari's auto-fill feature, which
you've likely seen a prompt for when ordering something in Safari on your
phone or Mac. If you're not being prompted to use your Apple Card, or any
card for that matter, when making purchases in Safari, go into your
iPhone's
Settings app and select Safari > AutoFill and turn on Credit Cards.
If you want to use your Apple Card on a website that doesn't accept Apple
Pay, and you're not a Safari user, your Apple Card has a semipermanent
virtual card number (more on what that means below). You can find your
card's number on your iPhone by opening the Wallet app and selecting your
Apple Card and then the three-dot icon in the top-right corner followed by
Card Information.
There you'll find a card number, expiration date and security code; all of
the information you'd need to make a purchase online or over the phone.
Your titanium Apple Card should arrive in the mail within a week of
signing
up. Once it does, you'll need to activate it either in the Wallet app (for
older iPhone models) or by holding your iPhone XS or iPhone XR ($750 at
Best
Buy) near the card's envelope and following the prompts.
The Wallet app shows you transactions and spending habits, and gives
control
over your Apple Card account.
The Wallet app is your Apple Card account portal
The Wallet app on your iPhone is where you go to view and manage your
Apple
Card account. Your card is tied to your Apple ID, so you don't need to
worry
about creating and remembering another password.
You'll notice as you begin to make purchases that the Apple Card in the
Wallet app changes colors and looks different after every transaction.
That's Apple's way of gently showing you what your spending habits are,
with
each color representing a different category.
Currently, there are seven spending categories: Shopping, Food & Drinks,
Entertainment, Services, Travel, Transportation and Health.
To view your spending habits, open the Wallet app and select your Apple
Card. You'll see a list of recent transactions, your balance, any upcoming
payments and weekly activity.
Tap on a transaction to view more details, including the exact location it
was made at, how much Daily Cash you earned and how much money you've
spent
at that business for the given month.
Select Weekly Activity to view your purchases, broken down by the same
color-coded categories that determine what your Apple Card looks like.
Alternatively, you can tap View Monthly to break down spending patterns by
each month.
Paying down your balance is the best way to save on interest.
After purchases begin posting to your account, you'll be able to make a
payment and view how much interest your current balance will accrue over
time. View your Apple Card in the Wallet app and tap on the Payment panel.
At the top of the screen will be your billing date. A circular slider will
let you adjust a payment amount, and just below that, you'll see any
interest charges that will be charged. Tap Pay Now when you're ready to
make
a payment.
The first time you make a payment you'll need to add a bank account. If
you
already use Apple Cash, then you'll be asked if you want to use the same
bank account and the information will automatically get filled in for you.
Otherwise, you'll need your bank's routing number and your account number.
Daily Cash
Using your Apple Card, you'll earn cash back on every purchase. The amount
of Daily Cash you earn is based on how (and in once instance, where) a
purchase is made. For all purchases made at Apple, be it for your Apple
Music subscription or a new iPhone in the Apple Store, you'll earn 3%
back.
For all contactless payments, you'll earn 2% back. When you use the
physical
card, you'll get 1% back.
Here's how the Apple Card compares with the Chase Sapphire and Amazon
Prime
Rewards credit cards.
You don't have to do anything to claim your Daily Cash -- Apple will
process
and transfer it to your Apple Cash card every night. So if you purchased
an
iPad Pro ($746 at Walmart) at the Apple Store and the total was $1,000,
you
should expect to have $30 on your Apple Cash card the next day.
You can then put your Apple Cash balance toward the balance on your Apple
Card, spend it using Apple Pay or transfer it to your bank account.
Check on your Daily Cash transaction history by going into the Wallet app
and selecting your Apple Card, then the three-dot icon in the top right
corner. View your transaction history under Weekly Activity and select
Daily
Cash.
Enable Lost Mode as soon as possible after losing your iPhone.
What happens if you lose your card or, even worse, your phone?
If you misplace or lose the physical Apple Card, you can freeze it in the
Wallet app. You can then unfreeze the card if you recover it, and begin
using it again. If you lose it and are unable to find it, you can cancel
your old card and request a new one within the Wallet app.
Replace your virtual card
If your virtual card has been compromised, you can cancel it and request a
new number from the Wallet app. Doing so will immediately give you a new
number and security code, invalidating the previous card number. Your
virtual card number is not the same number that's on your physical card,
so
getting a new virtual number will require you to order a replacement card.
To request a new virtual card number, view your Apple Card in the Wallet
app
and tap the three-dot icon in the top-right corner. Select Card
Information
Request New Card Number. You'll need to confirm you want a new card
number, after which it will be updated.
What happens if you lose your phone?
If you lose your iPhone, the first thing to do is turn on Lost Mode using
Find My iPhone. Doing so will prevent anyone from using all the cards
you've
added to Apple Pay. Next, you'll need to contact Apple support at
877-255-5923
and request that your virtual card number and, if needed, your physical
card
be frozen.
Apple Card support is live 24/7.
Where to turn for customer support
The quickest and easiest way to get support for your Apple Card account is
via iMessage. You can start a conversation with Apple support by viewing
your Apple Card settings in the Wallet app.
Tap on the Message button, and an iMessage thread will begin where you can
chat with a support representative from Goldman Sachs, the Apple Card's
card
issuer and bank. Next to the Message option, you'll also find the option
to
call support or visit the support website.
Don't go to an Apple Store -- Apple Card support is handled by Goldman
Sachs, so Apple Store employees probably aren't going to be much help
beyond
directing you to Goldman Sachs.
Since the Apple Card is part of the Mastercard network, you are eligible
for
some Mastercard network benefits, for which you'll need to contact
Mastercard support -- for example, for help with its identity theft
protection program, or free ShopRunner shipping.
What if you switch to Android?
If you decide that it's time to jump ship to an Android phone, you can
still
use the physical version of your Apple Card and continue to pay toward
your
balance -- but you'll need to call in your payments to
877-255-5923.
Without an iPhone, all of the benefits and streamlined interactions that
make the Apple Card unique all but disappear.
You can use your iPad to view transaction history and similar information,
but you won't be able to make payments, view spending habits or any of the
more in-depth features you'll find on an iPhone.
As we continue to use the Apple Card, charging, making payments and
monitoring our spending, there'll surely be more features we discover.
We'll
continue to update this post in the coming days and weeks.
Original Article at:
https://www.cnet.com/how-to/this-is-how-you-set-up-your-apple-card-for-iphon
e/?ftag=CAD-04-10abf6e&bhid=22694667381686839172315209628767
--
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 view this discussion on the web visit
https://groups.google.com/d/msgid/viphone/002401d55439%249fba8d90%24df2fa8b0%24%40edu.
