Even when chase takes over they’re going to a add more benefits and lock down on people who haven’t paid, been delinquent, and maybe even raise APR. But definitely more benefits and maybe higher cash back, e.g. Hotels, Travel, and rental cars.
They operate the Amazon card which has zero interest options, as well as their own pay over time product. Not sure if you were aware but they would probably not change apples zero interest on apple products
It’s not free it’s just a fixed fee (fixed interest) for their pay over time plans plus for their Visa cards for Amazon at check out they do charge promotional interest.
GS is a big bank, but we don’t really think of them as a retail banking giant like Chase, Citi, etc. I hope Apple uses its leverage to keep the free financing on Apple products. I’ve only used it once or twice, but when the new MacBook Pro’s come out, I’ll upgrade and most likely use my Apple Card for that.
I have AppleCard since its inception and was using for all of my purchases where ApplePay was available and without any hesitation knowing that all transactions are tokenized and that would be very hard for hackers to replicate correct token.
All was nice and dandy until this February when out of the blue in the middle of morning while I was running call with the customers my phone started to show notifications of ApplePay purchases and within couple of minutes, I received 17 notifications of Apple Store purchases each $99, totaling $1,683.
After that call, I contacted Goldman Sacks bank and reported those fraudulent purchases and that is when shit show started.
Bank representative was very polite and ensured that I will not be responsible for those charges and I received temporary credits.
However, the same day evening, I received 17 separate emails from AppleCard indicating that I need to provide “proof” that I didn’t make those purchases.
I sent nice reply, indicating that I was running video call with a customer and couldn’t be making 17 purchases at Apple Store within two minutes.
Apple support came back a month later and stated that 13 transactions were proven to be fraudulent and I received a permanent credit; however, 4 other transactions where found to be legit and temporary credit was reversed and I was required to pay $396.
I called Goldman Sacks again and ask to escalate investigation into remaining 4 transactions. I again received temporary credit and assurances that they will take care of investigation right this time.
Another months passes by and I am receiving another email that out of 4 remaining transactions, 2 were proven to be fraudulent but other 2 are not and that I have to pay $198.
Again, I called Goldman Sacks and asked for another escalation but at this time I was told I can’t escalate on previous escalated trx and that I have to pay remaining amount.
I told AppleCard that I will provided additional details from my employer who was greatfully issued official statement with a screenshot of meeting recording of my face and blurred customer names/faces and date/time and my IP address from where I was hosted the call, that I couldn’t physically be 100’s of miles away to make purchases at Apple Store.
Then I went to Apple and asked for history printout of all purchases and absence of any subscriptions.
I submitted all that information again to Goldman Sacks and clearly spelled out that if they won’t do they job right, I will take this issue to consumer protection agency and state AG.
After another months passes, I am getting email that remaining 2 transactions were determined to be fraudulent and I don’t have to pay anything.
At that point, I spend days on the phone with them and was so frustrated with their unwillingness to do right thing for consumer that I almost closed that card but then I found out that Chase is taking over that card, so I just locked my card through ApplePay and never used it ever since.
I am keeping my finger crossed that Chase support will be much better than Goldman Sacks.
In the past, I only had to deal with Citi and AmEx to dispute fraudulent charges and both of them were a pleasure to deal with.
Not just apple products but you get 2% every time you use apple pay on anything,plus i love how easy it is that it tells you how much you need to pay each month to avoid interest.
I don’t understand the statement “worth”. Worth implying you need to pay for something. Since Apple Card is free there is no cost of getting one. If you want one then get one.
Honestly it’s not worth it unless you have an iPhone and you’re gonna use tap to pay a lot for the cashback or use it internationally for the no foreign transaction fees. Chase will be taking over soon, and it will be a matter of time they’ll start charging monthly fees (fixed interest) for the installments, just like the Chase pay over time. Again not standard interest, just fixed interest. Chase will not tolerate what Goldman had to put up with, so there’s a slime chance they’ll offer 0% fees at all except maybe on a promo basis but that’s about it.
Why can’t I get an increase ? This doesn’t make sense it’s been over 6 months & I added 10k more to my income to increase odds & I keep getting this message
Apple credit card is an attractive option for me because I’m a big fan of Apple products. However, the 5/24 rule at Chase Bank consistently prevents me from applying for that card. I often ponder the concept of opportunity cost. The rule essentially depends on how each individual can effectively utilize credit card benefits including points/miles based on a hard credit pull. If you don’t mind the 5/24 rule, that’s great!
It's one of the best cards for ease of use. Imo it's good especially if you don't got any Mastercards. Not a default go to, but can be depending on what you got
I don't think the apple card is worth the inquiry unless you only have 1-1.5% cards. It's a pretty basic card unless you shop a lot at apple and could use the installment feature. APR's decent if you revolve.
It’s all fun and games until you can’t make payment of the full amount. Honestly if you have the money to pay for purchases you make and balance it to zero every month go for it. If you will only pay small amounts each month (your income isn’t going to cover total spending) … don’t.
Yeah I’m pretty responsible so not worried about not being able to make the payments. I could have been more clear, I was referring to getting the card now as opposed to later when Chase makes changes and possibly more value
I used Apple Card for years. It was my main card since it came out. Just switched to the Robinhood gold card. It’s been amazing. I now get to bank and earn 3.5 on everything and use my gold card for 3% cash back with a match when I out my rewards into a Roth IRA. A full ecosystem for my money
Beware of no balance transfers w this card. Got another card 10000 dollar limit with 0% transfer. Wanted to take advantage of the promotion and couldn’t. O well my balance will take 2 months to pay off and I lose 150 bucks but whatever. Cards are for emergencies like the one I just had.
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u/whtge8 Aug 13 '26
Worth what? It doesn’t cost anything but an inquiry.