O'Grady's PowerPage

Tag: Apple Card

  • How to retrieve your Apple Card number via the Wallet app

    As spiffy as the Apple Card is, there are no numbers printed on the card itself.

    Still, you can retrieve your credit card number through the Wallet App without too much fuss.

    There is a method to this madness. Via having no numbers on the front of the card, this makes it more secure against card theft. The Apple Card can also switch card numbers on the fly, which is an interesting new feature and a new card number can be requested with only one tap.

    In order to retrieve your Apple Card number, just go through the following steps:That still leaves the question of how you get the card number in the first place. Unsurprisingly, like a lot of services designed by Apple, it’s a relatively quick process.

    • On your iPhone, open the Wallet app.
    • Select your Apple Card by tapping on it.
    • Tap the additional options menu designated by the three dots in the upper left corner.
    • Verify your ID, either via passcode, touchID, or faceID.
    • Tap Card Information.

    Once you’re in the menu, you can scroll down and see your card number and the associated security code. In this menu is also the ability to request a new card number.

    If you’ve been able to get your mitts on the new Apple Card and have any feedback to offer, please let us know about your experience in the comments.

    Via AppleInsider

  • Apple releases support document explaining why some Apple Card applications may be denied

    Apple last week announced out an Apple Card preview period, and has since rolled out Apple Card availability to an assortment of iPhone users ahead of the official launch.

    While a number of customers, including those with credit scores in the 600s have been approved, there are still reasons as to why some users might be denied for the card.

    Apple shared a new support document, wherein the company outlined the reasons as to why someone might be denied. These reasons include low credit score, frequent credit card applications, heavy debt and low income, tax liens, bankruptcy, property repossession, past due debt obligations, a recent checking account closure by a bank, past due medical debt, and more. 

    Apple’s support document has a detailed list of explanations for those who were declined, and when you apply for Apple Card, if you are declined by Goldman Sachs (Apple’s partner) you’ll get a reason why so you can cross reference it here for more information. 

    The support document also outlines how credit scores are determined, with criteria such as debt payments, hard credit inquiries, debt level, credit age, open loans, and more. The company notes how customers can obtain free credit score reports and dispute errors with TransUnion if they’ve been declined for an Apple Card. Apple also noted how customers can check for common errors that might prevent their being approved.

    For customers who were declined because their identity could not be verified, Apple offers several recommendations such as verifying that application info is accurate and making sure ID scans (when requested) are clear and include an ID that’s not expired and with a last name that matches the application. 

    Upon receiving a request for an Apple Card, Goldman Sachs does a soft credit check that does not impact your credit score. Being declined or declining Apple’s offer will not require a hard inquiry, which is only done when customers actually accept the Apple Card. 

    Apple has stated that credit limit is determined by income and minimum payments amounts associated with existing debt, which helps determine ability to pay.

    Right now, Apple Card is limited to customers who have received an invite from Apple, but Apple appears to be sending out a large number of invitations to those who have signed up to be notified about Apple Card via its website. A wide release for Apple Card could come in the next few weeks. 

    Stay tuned for additional details as they become available.

    Via MacRumors and support.apple.com

  • Apple Card units begin arriving at customers’ homes

    The Apple Card recently rolled out to a limited number of customers via the Wallet app, and some customers are beginning to receive their physical, titanium Apple Card in the mail.

    Over at The Verge, Nilay Patel shared photos of his Apple Card. The card was revealed to be thicker than his other metal and plastic credit cards, weighing in around 14.75, making it slightly heavier than the Chase Sapphire Reserve credit card but lighter than an American Express Platinum. 

    Aaron Andino shared the following unboxing video of his Apple Card, the card and packaging remaining consistent with pre-launch photos that had leaked out into the ether.

    The physical Apple Card, made out of titanium, features a clean design with an Apple logo, a chip, and a name. There’s no card number or expiration date on the card, nor is there a CVV on the back. Instead, these details are stored in the Wallet app for added security in the event the card is lost or stolen. 

    The back of the card features Goldman Sachs and Mastercard logos as well as a mag stripe. Goldman Sachs serves as the Apple Card’s issuing bank, and Mastercard is handling payment network responsibilities.

    Later this month, Apple will allow all U.S. residents age 18 or older to apply for the card. So far, it appears that Goldman Sachs is being quite lenient with approvals, and it’s been reported that some customers with credit scores in the 600s have been approved, albeit with lower credit limits and higher APRs. 

    When fully available, iPhone users can apply for the Apple Card in the Wallet app within minutes and take advantage of features such as 1-3 percent in daily cash back, color-coded spending summaries, and no fees. Just ahead of launching, the card’s APR range was lowered to 12.99-23.99 percent.

    Stay tuned for additional details as they become available.

    Via MacRumors, The Verge and Twitter

  • Apple releases first iOS 12.4 developer beta, Apple Card support, other new features thought to be in the works

    With iOS 12.3 out the door, it’s time to start focusing on iOS 12.4.

    That being said, Apple released the first developer beta of its iOS 12.4 operating system on Wednesday. Although specific changes have yet to be announced, it’s generally stated that simple bug and security fixes don’t receive a major point-release status.

    Those who are part of Apple’s developer program can register a device for developer betas by heading to developer.apple.com/download. Those who are not in the developer program can register their devices for public beta releases by visiting beta.apple.com while using the device on which they wish to run the beta software. While many beta releases are stable and even include new bug fixes, we suggest you do not run beta releases on your primary iOS device.

    It’s thought that iOS 12.4 will help prepare iOS for the release of the Apple Card, which is due this summer. It’s also rumored to help provide support for Apple Arcade and Apple TV+, which are due out this fall.

    Stay tuned for additional details as they become available.

    Via Macworld, beta.apple.com, and developer.apple.com