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The simplicity and nice app experience is what's really good, but you can easily get better terms in the industry if you pay just one hour of attention. I use

The simplicity and nice app experience is what's really good, but you can easily get better terms in the industry if you pay just one hour of attention. I use the Apple Card because I love the customer UX, including the privacy from vendors part.

lxgr 10mo ago
What privacy from vendors?
- lowkey 10mo ago
  The Apple Card is the only card in the US I am aware of that does not resell your purchase history to data brokers.
  - deleted 10mo ago
    [deleted]
  - lxgr 10mo ago
    Are you sure it's not part of e.g. this dataset? https://aws.amazon.com/marketplace/seller-profile?id=13af1c03-e79b-4f6e-8142-9b5623a952ad https://aws.amazon.com/marketplace/seller-profile?id=13af1c0... And even if it's not, as long as the other side (i.e. merchants and acquirers) just collects and aggregates the same data, that's little consolation.
    - lowkey 9mo ago
      Yes I'm sure Apple Card data is included in that dataset. That isn't the point. > And even if it's not, as long as the other side (i.e. merchants and acquirers) just collects and aggregates the same data, that's little consolation. Respectfully disagree on this point. The issue isn't leaking anonymized aggregated data. The issue is, for example, Chase can and does personalize rewards ads based on your exact transactions internally. So when you use any Chase card, every Chase related entity has access to your non-anonymized transaction data for marketing and credit decisioning purposes. I will cautiously watch how Apple handles this issue in the future because I don't trust Chase and my financial privacy is important to me.
- reaperducer 10mo ago
  What privacy from vendors? One of the big promises when the Apple Card launched is that, unlike most other cards, your purchase information isn't sold. That's the big question mark from me with the Chase takeover. If that privacy goes away, I'll stop using the Apple Card.

lxgr 10mo ago

What privacy from vendors?

lowkey 10mo ago
The Apple Card is the only card in the US I am aware of that does not resell your purchase history to data brokers.
- deleted 10mo ago
  [deleted]
- lxgr 10mo ago
  Are you sure it's not part of e.g. this dataset? https://aws.amazon.com/marketplace/seller-profile?id=13af1c03-e79b-4f6e-8142-9b5623a952ad https://aws.amazon.com/marketplace/seller-profile?id=13af1c0... And even if it's not, as long as the other side (i.e. merchants and acquirers) just collects and aggregates the same data, that's little consolation.
  - lowkey 9mo ago
    Yes I'm sure Apple Card data is included in that dataset. That isn't the point. > And even if it's not, as long as the other side (i.e. merchants and acquirers) just collects and aggregates the same data, that's little consolation. Respectfully disagree on this point. The issue isn't leaking anonymized aggregated data. The issue is, for example, Chase can and does personalize rewards ads based on your exact transactions internally. So when you use any Chase card, every Chase related entity has access to your non-anonymized transaction data for marketing and credit decisioning purposes. I will cautiously watch how Apple handles this issue in the future because I don't trust Chase and my financial privacy is important to me.
reaperducer 10mo ago
What privacy from vendors? One of the big promises when the Apple Card launched is that, unlike most other cards, your purchase information isn't sold. That's the big question mark from me with the Chase takeover. If that privacy goes away, I'll stop using the Apple Card.