Over the past month Apple must have seeded 20 eleven different websites with detailed information about Apple Card. I’ve read everything I could find about the card, the process, the details, the good, the bad, and the not so ugly.
Apple Card is here, I’ve used it, and I approve because step by step– typical Apple– the iPhone maker has moved the bar on how we use credit cards. Remember the early days of Apple Pay? Critics scoffed. Look at it now.
Watch Me, Baby!
The early version of Apple Pay was one were nattering nabobs of negativism went ballistic– they do over everything Apple does– but customers loved it because it was just so damned easy and private to buy something. When they could find a merchant that had Apple Pay.
Again, step-by-step, month-by-month, Apple Pay rolled out across the land, followed by Apple Watch and an even easier and faster way to pay. No more fumbling around in pocket or bag to dig out iPhone. Just use Watch instead. It worked the same way.
Now we have Apple Card and again Apple has moved a mass of people into a different method of dealing with purchases; in person or online. Not only does Apple Card list all of the Card’s purchases it offers an easier way to pay. Make that easier ways to pay. Face ID works with iPhone to authenticate. No more fumbling with a button.
Apple Card gives you three numbers that work separately which makes it more secure. There’s a number for Apple Pay, a number for Apple Card, and a virtual number that can be used for non-Apple Pay purchases online, so you’re not totally bound to Apple.
Do you see what’s happening here?
Apple wants customers to use their iPhones for more than just calling, texting, checking email, running a few apps. Thanks to the growing use of Apple Pay, and now with Apple Card, iPhone is more deeply embedded into our lives, and that means we are more deeply embedded into Apple’s walled garden ecosystem.
Lisa Eadicicco took an odd perspective on Apple Card.
There are ways in which the Apple Card’s reliance on the iPhone can detract from the card’s usefulness and convenience.
Just as there are ways using a credit card from you wallet opens up security compromises, the potential for losing a card, and, well, let’s just be contrarian for contrarian’s sake.
The Apple Card seems to have been created with the assumption that you’ll always have an iOS device at your disposal to manage your account.
For now. Look for additional methods to manage the Card in the future. Apple is skating to where the puck will be, not where it is, but having it tied to iPhone is not much of a downside.
You can’t use Watch without iPhone, either.
What happens if you haven’t ordered a titanium Apple Card and your iPhone loses power or malfunctions? In that case, it doesn’t look like you’ll be using your Apple Card until you find a charger.
Other major credit card holders offer iOS and Android apps as well as web portals for managing your account, giving users the flexibility to pay their bills or keep track of their transactions any way they choose, whether it be online, in an app, or even through the mail.
Others, yes. But not all. Apple does not appear to worry much about competition whereby credit card owners check off bullet points on a Power Point presentation.
I’ve had Apple Card less than a week and do not have another credit card that is as easy and convenient to use, as secure to use, and that makes me feel like using it more– that means I use competing cards less.
That all makes the iPhone feel like more of a necessity to me than ever before, which is probably exactly what Apple wants.
Welcome to a capitalist world, sweetie.