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I see that already implemented with my card. Works like a charm. Reassuring. :-)
Yes, the basic technology is called 3-D Secure. However, it's not currently a requirement to use it, and some implementations of 3-D Secure don't use verification codes to mobiles - they use passwords instead.

The new (postponed) EU law is to set (3DSecure) verification codes to mobiles as the default legal requirement (SCA). The current implementation is different in different countries – e.g. all my UK-issued cards rarely use 3-D Secure (strangely, even on transactions when I most expect it), whereas all my Czechia-issued cards require 3-D Secure every time with a verification code to a mobile.

Incidentally, as a supplier processing 3DSecure payments you are not actually protected against fraud. In fact, 3-D Secure is just security theatre for the public/suppliers and completely stiffs those suppliers that actually process card payments. But, that, is a whole 'nother story…

A good way to destroy a titanium card would be to use an ordinary grinding wheel. But that's also a good test for titanium. If the sparks from grinding it are brilliant white, it's titanium. If they're an orangey-yellow, it's really a ferrous metal.

A good way to destroy a titanium card would be to use an ordinary grinding wheel. But that's also a good test for titanium. If the sparks from grinding it are brilliant white, it's titanium. If they're an orangey-yellow, it's really a ferrous metal.
Why wouldn’t you just heat over flame until it’s toasty?

Red heat begins at about 1000°F, so that's how you can eyeball when your card is adequately toasted. Mine hasn't been delivered yet, so I'll pass for now.

Hammer, nail, and punch a hole through the chip? No real reason the titanium card itself needs to be destroyed. Is there even a mag stripe on the back? If so, scramble it with a magnet.
I must be overlooking something. Why is destroying the card of any importance? It can't be used, since the account number is no longer valid, and there is no identification information (except your name) on it.

Ric Ford

Official release:
Apple P.R. said:
Apple Card launches today for all US customers
Apple Card, a new kind of credit card created by Apple and designed to help customers lead a healthier financial life, is available1 in the US starting today. Customers can apply for Apple Card through the Wallet app on iPhone in minutes and start using it right away2 with Apple Pay in stores, in apps and on websites. Built on simplicity, transparency and privacy, Apple Card has no fees,3 encourages customers to pay less interest, offers an easy-to-understand view of spending and provides a new level of privacy and security. This launch follows the Apple Card preview earlier this month, during which a limited number of customers were invited to apply early.

Ric Ford

Updated report from Macworld:
Alaina Yee said:
Apple Card vs Citi, Chase, and Capital One
Apple might not be turning into a bank, but it wants to handle your money. At its March announcement of Apple Card, we heard a lot about financial health, low interest rates, cash-back percentages, and zero fees. Details were fairly light then, as Apple emphasized the card's simplicity, security, and ease of use while taking broad digs at the competition.

Now that the card has launched, we finally have all the hard numbers, too. Those final details let us stage a proper showdown between Apple and its most popular cash-back rivals, because formidable opponents do exist—as our dive into into the nitty-gritty details of cash-back percentages, interest rates, and fees shows.

One note: Goldman Sachs told me that the card rules state that only your legal first and last name can be on it. You can contact Goldman Sachs via the "contact us" tab by tapping the Apple Card in your Wallet app.
They may have that rule, but they don't seem to enforce it. My card was issued in the name of Middlename Lastname without a hitch. Perhaps I'd have had trouble if it had been issued differently and I was trying to change it.

I applied for Apple Card out of sheer curiousity. So far, the experience, from applying to activating the physical card to making a payment to Goldman Sachs to opting out of the arbitration clause, has been better than any card I've ever had. It's been a pure delight. And the physical card itself is striking.
After a few days with an Apple Card, we decided that a showstopper for our family was not being able to download transactions into Quicken. Cancelling the account was quick and easy using text chat from my iPhone. But destroying a card made of titanium...
I suspect you've run into a "that's a feature" bug. Because your transaction history is private and only accessible to you on your iPhone/iPad, there's no way for Apple or Goldman Sachs to generate a data feed to Quicken. They just don't have that data. (Which begs the question of how to challenge a transaction if it was legit but the merchant never delivered the product or service promised…)

As for destroying the card… sharpen the edge, put it in your knife drawer in the kitchen. Next to your MacBook Air kitchen knife, of course. :-)

I have the original Apple Watch with watchOS 4.3.2 (the last supported) on it. When I try to add the card, which did not automatically appear on my watch, I get an error that an OS upgrade is required.

I use the watch to make most Apple Pay payments (leaving the phone in my pocket or elsewhere), so I will likely be using the Apple Card less than I might have.

In Nosillcast #745, podcaster Allision Sheridan chats with her friend Denise, whose Apple Card was (apparently) one of the first delivered. There are no "show notes" for the conversation, so you'd need to listen to the podcast for follow-up.

Denise didn't have to fill out a credit application. She only had to provide her "total income" and last four digits of her Social Security number. She and Allison seemed a bit spooked about that. I surmise everything from buying the iPhone to activating cell servie to what's in Apple wallet may be accessible to Apple in one way or another.

Denise's other card(s) provide warranty extension, and she was disappointed the Apple Card doesn't.

The highest 3% Apple Card cash back is for Apple and Uber. The base $1,099 MacBook Air 2019 would generate $32.97. (That's considerably less than its $249 cost for Apple Care....)

By the way, am I correct in recalling AppleCare used to be listed as an option, much like keyboards, software, and RAM, on the "Buy" page for a system? When I wanted to find the AppleCare price for the MacBook Air, the only page I found that offered to let me check required an Apple ID log-in or entry of the System's serial number. Thanks to the Google, I found an iMore article with AppleCare prices for different laptops.

I suspect you've run into a "that's a feature" bug. Because your transaction history is private and only accessible to you on your iPhone/iPad, there's no way for Apple or Goldman Sachs to generate a data feed to Quicken. They just don't have that data.
If that were true then the Wallet wouldn't be able to show transactions made with the physical card.

Per Apple Card - Privacy and Security, Apple doesn't have transaction details but "Goldman Sachs will use your data to operate Apple Card".

Ric Ford


Unless I missed it upthread, I haven't seen a lot of discussion here about the rewards themselves on the Apple Card, which are decent, but not as good as some better options, if Apple purchases, the Apple branding, and iOS integration features are less important to you than what you actually earn by spending on it.

Here are some competitive cash-back alternatives with no annual fee:
  • Synchrony PayPal CashBack MasterCard: 2% back, no foreign transaction fee, no annual fee
  • Citi Double Cash: 2% back, no annual fee. Beware 2.7% foreign transaction fee.
Or with an annual fee for higher earning:
  • Alliant FCU Visa Signature: 2.5% back (3% first year), no foreign transaction fee, $99/year
  • Bank Of America Premium Rewards: If you have $100K in holdings at BofA, it earns 2.625%-3.5%, no foreign transaction fee, $95/year
The above can be supplemented with high earning "category" cash-back cards, if you don't mind using different cards for different purchases:
  • Barclay Uber: 4% on dining, 3% on airfare and hotels, no foreign transaction fee, no annual fee
  • Chase Amazon or Synchrony Amazon Store: If you have Prime, 5% back at Amazon and Whole Foods, no foreign transaction fee, no annual fee; 3% at Amazon for non-Prime (Synchrony version is a "store card," can't be used outside of Amazon)
  • Amex Blue Cash Preferred: 6% on groceries up to $6,000 spent per year; 3% on gas. $95/year. Beware 2.7% foreign transaction fee.
More specialty category high earners are here:

And if you don't mind a high annual fee and prefer your rewards to be used for air travel, especially business or first class, then you probably don't want cash back at all, but instead, cards that earn transferrable points, of which the best are a combo of Chase Sapphire Reserve + Chase Freedom Unlimited or combo of Amex Gold + Amex Everyday Preferred. Lesser but ok options are Citi Prestige or Capital One Venture.

(I write a foulmouthed blog on this topic.)

That may be less effective than you think. I once tried scrambling an 800K Mac floppy disk with a very large magnet. To my astonishment, it still worked.
While there is a kernel of truth to the "magnets erase magnetic media" belief, the critical element most people aren't aware of is that magnetic media is surprisingly resistant to static magnetic fields. (In technical terms, they exhibit high coercivity.)

On the other hand, strong alternating magnetic fields readily modify the magnetization in the medium. This effect is so pronounced that analog audio tape recorders (and probably digital ones, too?) use an AC "bias" signal, an ultrasonic signal sent to the tape head during recording along with the audio signal itself. The bias signal (which is strong enough to overcome the coercivity of the magnetic particles, but is itself too high frequency to be audible or indeed even to be written to the tape) in a sense "loosens" the magnetic particles' magnetic fields. The particles then readily magnetize to the comparatively weak incoming audio signal, and the audio recording is "locked in" as the tape moves away from the recording head.

The development of AC bias was a quantum leap in magnetic recording technology, and is what took audio recording from the low-fi era into hi-fi.

I found a major shortcoming of the card: It cannot handle my company account.

Here's the thing. When I check into a hotel, e.g., I give them my company credit card (Amex) instead of my personal Amex card, so that my company gets charged for the business expense. And Amex is paid via my company bank account.

When I tried to add my company's bank account to Apple card, it was denied. Goldman Sachs confirmed the issue and said:
If the corporate bank account is not under your name you won't be able to use it. At this time we currently don't support that feature. I'll be sure to document your feedback and get this over to my manager.
This is a major bummer for doing business with Apple Card. Every company card is registered with a company, unless your name is the company. Companies don't have Apple IDs, do they? Can't really take advantage of this card, especially for big ticket company items like iPads or Macs. Did Apple or Goldman Sachs think this through?

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