re: Goldman Sachs reportedly spent $300 million developing the Apple Card

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Ok, I was thinking there was something I was missing. So it really all boils down to it gives you a better app experience than some third party.

As far as the security goes, I would imagine anything that uses NFC would have the same security features as they use some form of token instead of actual card numbers. I did see that they aren't putting the card number on the physical card, which, although it could be an inconvenience at times, I am surprised more card companies don't do this for security.

And to double downs point, the same can be said for apple users, they would shite all over this card if Google did the same thing. I hope I am not coming across as hating on it. I am genuinely curious as I said, I'm trying to figure out what the appeal is, reading the apple pay website, it seemed pretty mediocre to me so I was trying to find out if there was something I was missing

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You are pinged and the app updates immediately on using the card. Believe it tracks your location on the phone vs where your card is at as well for additional security if you aren’t using NFC.

Card number isn’t on card you are correct, but you can get a card number out of the app at any point you need it.

Experience is far better than any other card I have by far.

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Man, I am glad you are enjoying it. It does sound like it has alot of neat features.

I guess this is where we differ, and of course it all is a matter of preference, but I have never considered a card an experience. I pay with it. The app keeps track of stuff. And it auto pays at the end of the month. I have literally never opened my amex app and thought "what could make this experience better". It's just an app that is there that I never really have to bother with.

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This argument falls flat though. Any technological improvements are nothing but attempts at improving and making the user experience a bit easier and better. This is just another one making an app more user friendly and adding features that are nice.

I use my Chase cards (Amazon Prime, Sapphire for travel, etc) far more than this card, but the app kinda sucks for them. Be nice to have an update to something similar like this for them too. I use my credit card apps all the time to track purchases and adding extra discounts to my card. You can't preach having better rewards on other cards and then completely ignore some of the best rewards on other cards that you have to activate in the app. Be nice if that app wasn't subpar.

I'm not going to argue the card is better, because it's not, but it has brought some features that would be nice to see translated to it's competition.

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No, it doesn't fall flat, it's still personal preference. The amex app does literally everything I need it to do. Now some people might prefer more features, but I don't. There is nothing that amex could add that would make my experience easier or better. It is perfect for my use.

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I'm not saying you need, I'm saying it's got improvements that would be nice to have in other places.

As soon as the next upgrade in whatever you like comes out, you will like to have it just like every other freakin person here. Improvements are always welcome, that's normal, well unless you are a luddite.

For example: previous older Android and iPhones we all had were fine for our needs, but we all upgraded to better because it's nice to have changes that make things faster/smoother/better. Your argument is pure silliness.

But you are saying I need it. Because when I said that it was a matter of preference if you wanted those features you stated that argument "falls flat".

Case in point. The app I use for NFC payments does map where I use any cards. I have never used that feature because I don't need it. Some people might. I don't. This makes it personal preference.
Having that feature does not make my app experience better.


You can keep trying to argue that it does but you are flat out wrong. There are tons of apps out that have added features over the years that have made the app so bloated it has actually become less helpful.hell, Facebook of all people eliminated a ton of features from messenger last year because the app became toobloated.

Once again, it seems like a really nice, well thought out app. Just doesn't have any feature that moves the needle for me

Also, one last question, which of these features in apple wallet/pay are exclusive to the Apple card? Does it not track location of purchases for any other card you have loaded? Or notify when you use that card?

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I'm not arguing for stagnation... I don't know how this is so hard for you to understand. I'm arguing that not every person who uses a credit card app needs all these features. They can add all the features they want. And some people will appreciate the changes and some won't. However, adding features does not equal making improvements or making your life easier.

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You are arguing for stagnation. Adding features does equal making improvements and making your life easier when those features do exactly that, it happens every day in every field imaginable. Are you really this big of an idiot or are you just arguing to argue now? Every company adds features to every piece of technology that end up doing just that. You just argued for stagnation again..... Not every feature does this, but there are plenty that have done just that. That's how technology advances you nimrod, sometimes you hit it out of the park and sometimes you strike out.

You can argue these features don't do that and I would agree that is a possibility, but features in general are how shite evolves.

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If you like the app, I'm really happy for you. I just prefer a card with better rewards with an app that meets my every need.

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It's an Apple card, I know you aren't interested. You already said your app is filled with bloatware, they aren't meeting your needs for simplification.

You are right, every feature every app developer or device manufacturer has every implemented has improved every single users experience every time. They have never made a mistake for sure...

And where do you get that my app has bloatware? Reading comprehension isn't your friend.

I'm glad your app is really nifty man, if I am ever poor and need my app to tell me how much to pay to pay less interest I will be sure to checkout your precious apple card.

I mean how dumb are people on here, you can't even say that people might have a different preference for app features without being called an idiot

Now, name me one exclusive feature of this app that would improve my experience?

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You are arguing for stagnation. Adding features does equal making improvements and making your life easier when those features do exactly that, it happens every day in every field imaginable. Are you really this big of an idiot or are you just arguing to argue now? Every company adds features to every piece of technology that end up doing just that. You just argued for stagnation again..... Not every feature does this, but there are plenty that have done just that. That's how technology advances you nimrod, sometimes you hit it out of the park and sometimes you strike out.

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Companies make "improvements" to their products every day and some improvements get adopted and live on in the market and other "improvements" get rejected and die off in the market. Adopting new features for the sake of it instead of actually making your life better is dumb. If he doesn't find these features beneficial to him then it makes sense for him to reject them in the marketplace. It isn't incumbent upon him to re-educate himself to adopt tech companies' features du jour.

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It's full of features you don't need, I took it to the extreme. I have the AMEX app, I know what it is like, I play the rewards game

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This does not equal bloatware

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You aren't being called a nimrod for your preferences. You are being called one because you skip passed all the quotes about technological advancement by trial and error of adding new additions to current technology. Not one specific feature on this card or your preference

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Again, either your reading comprehension is terrible, or you are retarded, but I have never once argued for stagnation. I am fine with Apple putting as many features in as they want, but you stating unequivocally that these features would "improve my experience" is BS. I recommend you looking up the definition of "Personal preference" because apparently you do not know what that means

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Time for demands I see, huh? How about you try things and evaluate them for yourself

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So either you can't because you also do not think any of these features will improve the experience, or you realize that not everyone experience is the same which is what I have been arguing this entire time...

And I am still not saying that specifically these Apple features will improve specifically your experience.

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So either you can't because you also do not think any of these features will improve the experience, or you realize that not everyone experience is the same which is what I have been arguing this entire time...

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Neither, just the moment when you realize, huh that's a brick wall.

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Finally someone who gets it. Improvements aren't always improvements for all. Everyone's usage/experience is different. If it weren't there wouldn't be multiple apps that do similar functions.

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Improvements will never be improvements for all, I wouldn't argue that. I mean, you will never get a consensus on anything.