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Two decades ago I used to bling out with Versace and other labels on items that were guaranteed to only last one season. I gave that up back then. I'm not about

by ksaj 7y ago

Two decades ago I used to bling out with Versace and other labels on items that were guaranteed to only last one season. I gave that up back then. I'm not about to start doing it with "gift cards" now. Trendy is such a wasteful way to live. If you need to throw money away for status, I can think of far more beneficial ways to do it than a poorly designed payment card that scratches and stains too easily.

wilg 7y ago
Of course, it doesn't cost any money.
comex 7y ago
Like most credit cards, the Apple Card is free. Of course, the merchant pays a fee when you use it, and you get some of that back in the form of rewards, so you have to compare how the Apple Card’s reward scheme stacks up against other cards. I’m not an expert, but from what I’ve heard it’s at least decent. So there’s really no money being thrown away here.
- matwood 7y ago
  The rewards are ok for a free card as long as you use Apple Pay. Don't use the physical card if you care about rewards (I didn't even order the card). The clear, daily cash back feature is nice.
- kamyarg 7y ago
  > the merchant pays a fee when you use it You do know that they increase the default price to compensate for the commission they pay to the banks right? Ultimately the result is: - the bank mostly is unaffected because it gets the point it gives you from the merchant - Merchant increase the price that to compensate for the commission - you are not affected because whatever you get as points you pay back with the increase in price - whoever pays cash is paying 3% more which goes mostly to the merchant
FDSGSG 7y ago
"Poorly designed" may be subjective, but do you happen have any evidence to support your claim that Apple Card "scratches and stains too easily"?
- ksaj 7y ago
  Here's an article pointing out Apple's warning not to put these cards into leather wallets. I'm guessing they want you to carry it in a silk sachel lovingly hung around your neck by a fine golden braid. It literally went to market with everyone knowing you can't put it where you normally put such cards. https://www.theverge.com/tldr/2019/8/21/20827303/apple-card-titanium-goldman-sachs-iphone-users-cleaning-warning-discoloration https://www.theverge.com/tldr/2019/8/21/20827303/apple-card-...
  - FDSGSG 7y ago
    > It literally went to market with everyone knowing you can't put it where you normally put such cards But you totally can. Apple just points out that the Apple card, like literally any other card can get scratched or discolored.
    - tidepod12 7y ago
      > literally any other card can get scratched or discolored. Uhh, what? I'm looking at my wallet of cards right now, all of which I have had for multiple years. I have 2 metal cards, 4 plastic cards. Only one of them, the one that I have had for 3 years, is discolored in any way, and even then the discoloration is minor (its more of a dulling of the shininess, not really discoloration).
      - FDSGSG 7y ago
        I'm not saying they will, just saying they can. There's no magic coating on those cards making them particularly resistant to discoloration. Odds are the Apple card would be exactly like your other cards.

by ksaj 7y ago

wilg 7y ago

Of course, it doesn't cost any money.

comex 7y ago

Like most credit cards, the Apple Card is free. Of course, the merchant pays a fee when you use it, and you get some of that back in the form of rewards, so you have to compare how the Apple Card’s reward scheme stacks up against other cards. I’m not an expert, but from what I’ve heard it’s at least decent. So there’s really no money being thrown away here.

matwood 7y ago
The rewards are ok for a free card as long as you use Apple Pay. Don't use the physical card if you care about rewards (I didn't even order the card). The clear, daily cash back feature is nice.
kamyarg 7y ago
> the merchant pays a fee when you use it You do know that they increase the default price to compensate for the commission they pay to the banks right? Ultimately the result is: - the bank mostly is unaffected because it gets the point it gives you from the merchant - Merchant increase the price that to compensate for the commission - you are not affected because whatever you get as points you pay back with the increase in price - whoever pays cash is paying 3% more which goes mostly to the merchant

FDSGSG 7y ago

"Poorly designed" may be subjective, but do you happen have any evidence to support your claim that Apple Card "scratches and stains too easily"?

ksaj 7y ago
Here's an article pointing out Apple's warning not to put these cards into leather wallets. I'm guessing they want you to carry it in a silk sachel lovingly hung around your neck by a fine golden braid. It literally went to market with everyone knowing you can't put it where you normally put such cards. https://www.theverge.com/tldr/2019/8/21/20827303/apple-card-titanium-goldman-sachs-iphone-users-cleaning-warning-discoloration https://www.theverge.com/tldr/2019/8/21/20827303/apple-card-...
- FDSGSG 7y ago
  > It literally went to market with everyone knowing you can't put it where you normally put such cards But you totally can. Apple just points out that the Apple card, like literally any other card can get scratched or discolored.
  - tidepod12 7y ago
    > literally any other card can get scratched or discolored. Uhh, what? I'm looking at my wallet of cards right now, all of which I have had for multiple years. I have 2 metal cards, 4 plastic cards. Only one of them, the one that I have had for 3 years, is discolored in any way, and even then the discoloration is minor (its more of a dulling of the shininess, not really discoloration).
    - FDSGSG 7y ago
      I'm not saying they will, just saying they can. There's no magic coating on those cards making them particularly resistant to discoloration. Odds are the Apple card would be exactly like your other cards.