Ngl, my credit went up from 1k to around 20k+ over the 5years. Bc they made it so easy to pay and understand how interest works!
@JMNID3 ай бұрын
On the Apple Card?!! I’ve had mine for a few years and they’ve only raised my limit to 1k 🤣
@ImStillStealingSteel3 ай бұрын
@@JMNID- Request a CLI. It’ll be a soft pull. Try it out and report back 😊
@alestevez9503 ай бұрын
I’ve switched to the Apple Card as my primary credit card.
@MaxKito23 ай бұрын
I was denied because of my student loans reporting not being able to pay. It’s very hard even if you have a good credit many KZbinrs have expressed this as well so it’s not just me. I applied some time later on and I was approved for 🥁🥁🥁🥁🥁🥁$200😂 Yep, Apple just gave me $200 but I was super appreciative, because I’ve been working super hard on my credit. Two years in and now Apple increased my account to $550 and that’s an improvement. 😊
@Marisolismo3 ай бұрын
I’ve had Apple Card since the beginning. Recently I tried a travel credit card but I felt that the time and energy I spent trying to min-max my points cost more than the simplicity of just receiving cash back from the Apple Card so I switched back to Apple Card and I’m very content.
@Daniel_Braun3 ай бұрын
Definitely makes sense for those Apple purchases! I’m right there with you for using credit cards to earn points and miles for travel - and the Apple Card certainly plays a role for the right person that values simplicity and cash back. Thanks for the shoutout in the description!
@mortecai2223 ай бұрын
being able to change the card number with the press of a button has been a game changer for me, I always recommend the apple card
@shapeofsoup3 ай бұрын
Same. What’s funny is if you get an Apple Card number swiped, even after it’s been changed, you still get to see all the places they attempt to use it. Not really sure who’s dumb enough to use a stolen card for DoorDash lol but apparently that’s a thing.
@brentsmithline34233 ай бұрын
The high yield savings account is why I moved to the Apple Card. Have the daily cash payment go directly into savings. A KISS solution for this old man. Like most normals I do not travel on a regular basis so this is the main card I use. 🐬
@The_Cali_Dude_882 ай бұрын
That’s why I got it as well.😊
@mulasien3 ай бұрын
Apple Card has been a solid secondary card for me for places that don’t take AMEX. Unfortunately, the point bonuses with AMEX are far better than Apple Card preventing it from being my primary card. The 0% fee really makes it a no brainer for a secondary card, assuming you automatically pay it off each month.
@wilbertmaluyo3 ай бұрын
I love my apple card. I started with 5k credit limit and now 31K. I always pay off my balance each month so i never paid any interest.
@shapeofsoup3 ай бұрын
A couple of corrections. I love my Apple Card though, to be clear. One, 2% cash back isn’t rare for zero fee cards. There are several that offer 2% or better, including Citi Double Cash, various Chase cards, Wells Fargo Active Cash, Amex Blue Cash, and many others. That said, what these cards don’t have on the Apple Card is that Daily Cash or the integrated UI, which are both pretty nice. Two, just a heads up on the 0% finance options for large Apple Card purchases: it’s either that OR the 3% cash back. So choose wisely.
@Jeannemarre3 ай бұрын
5 years and still no Apple Card in Switzerland 😅
@LocalDishwasherr3 ай бұрын
Same for uk 😔
@davidlazarus673 ай бұрын
No cards outside the USA.
@falcontomto3 ай бұрын
Sometimes I really don’t understand how Apple is this’s US-centric when they sell iPhones globally.
@Jeannemarre3 ай бұрын
@@falcontomto they US believe they are the center of the Universe 😅
@flaneurfilms19403 ай бұрын
@@Jeannemarre has nothing to do with that. The card is a failure otherwise there would have rolled it out everywhere like most of their products
@johnjerrigo5673 ай бұрын
I have been an Apple Card user since day one as well, enjoying my 10k credit limit that I have built up since day one.
@droidxsc3 ай бұрын
Great no fee card for people deeply integrated into the Apple eco system. Family sharing is the best perk in my opinion and the simplicity of the HYSA built right in…. No intro offer so it’s not seen as a flashy pick by most content creators, but under rated for the right consumer
@wateriver2 ай бұрын
I’ve had my Apple Card since 2020. I don’t use it much other than for financing stuff at Apple and for places that give you 3% cashback, currently Uber, Uber eats and T-Mobile is where I use my Apple Card. Having the titanium card is great but I never use it since if you use your card physically you only get one percent versus 2% if you use the Wallet app. Definitely a good card to help you learn the ropes of the credit world but there are far better cards You can get, especially if it’s your first credit card. Also only when you finance an iPhone do you get 24 months financing. Not sure why they don’t offer 24 month financing on their computers since they can get more expensive than iPhones real quick.
@iMustafaTube3 ай бұрын
One of the best cards in my opinion. I love how it's integrated in the Apple Wallet and it's always ready and there when needed. I also like how easy it is to find transactions even when going back to 2019.
@ReviewswBryz3 ай бұрын
Hey Fernando, Thanks for the review...is the iPhone really your primary Camera? 🤯
@cndoubles3 ай бұрын
Love my Apple Card had this card for 3 years now wallet app might be the best app on the iPhone
@FieryVix3 ай бұрын
Would love to see a more in depth video on the Apple Card. 🐬
@ClayDaddy53 ай бұрын
🐬. I just got it a few days ago. The credit limit I received is at least 20% below all of my other cards. Do they automatically raise the limit with use? I don’t like for my credit utilization to get above 20%, below 10% preferably. Does the 3% back on Apple products only occur if you purchase through Apple (I assume so)? You can often get Apple products much cheaper through retailers like Costco, Best Buy, and Amazon. Also, if you split the Apple purchase into payments, do you still get 3% cash back or do you have to choose one or the other? Thanks for the timely video! Also, interested in the link for the video on Apple Wallet. I use it all the time but there may be some tricks I am missing.
@wateriver2 ай бұрын
I’ve had my Apple Card since 2020. From my experience Goldman Sachs is very conservative when issuing credit limits. My Apple Card has the lowest credit limit out of all my other cards currently at $6750. and this is coming from someone who has an average of 790 credit score across the banking apps that show me my credit scores and credit cards with an average credit limit of $10,000. I started out with $2000 as my credit limit and about two years into it I started asking for credit limit increases. Each time I was the one that reached out. You only get 3% cash back when you buy Apple products at the Apple Store or on their website. Other merchants like Costco and Best Buy don’t count. When you finance an apple product you buy at Apple you get 3% cashback regardless if you finance or pay upfront. Hope this helps.
@forsakenking46433 ай бұрын
I have the Amex Platinum & Gold, I’m maximizing that card combo as much as I can but I feel like I need a cash back card that’s not in the Amex ecosystem 🐬
@dinkyshopYT3 ай бұрын
Is the credit card what triggers ability to have the Apple Savings account? Bc I think ppl are missing that the savings acct is FDIC insured (in the USA) AND the interest rate is between 4.4% to 5%, which is better than terms of most other banks (for small deposit balances) and none of the restrictions of a CD. And your daily spending cash back can auto deposit into the savings account. I’ve earned a fair amount of money in that savings account. 🐬
@9to5Mac3 ай бұрын
yes. Sadly the savings account is only for Apple Card customers
@Trainasaurus2 ай бұрын
I learn a lot and you help me research my next purchase. Thank you Fernando!! 🐬
@Eloom1233 ай бұрын
lol @ adding further ado immediately after saying “without further ado”
@quantx65723 ай бұрын
My Apple Card is my least used card. Wish I never got it really. I get much more cash back using my other credit cards. I didn’t even use it to buy my last three Apple products, because at Amazon I got 5%, 6%, and 7% cash back on those purchases. In addition, the products themselves were a few hundred dollars less than at the Apple Store. Only thing the Apple Card is really good for is paying for built-to-order Macs that are only available at the online Apple Store, over time, that’s it.
@ericdraven78573 ай бұрын
My limit isn’t very much because when I got it, I was in huge debt so I was glad I was able to get it but I hate that my limit is low. It’s only $7K. It must have gone up after I because debt free at some point. I thought it was lower. Maybe around $4k or lower because I thought I couldn’t max out a MacBook Pro and use the card. I do use the HYSA but I wish it was more than 4.40%.
@DojoOfCool3 ай бұрын
I have an Apple card for a couple years now and rarely use it. I got mainly for the discount on new Apple products, but has only been useful for small accessories. For some reason the Apple card set my limit below what I usually spend when buying an Apple computer. What's stupid the bank card I pay my Apple card with I then use to buy the computer a minute later it goes through instantly. I tried to get Apple card to increase my limit and end up with some AI chat thing that what a lot of it said made no sense like it really didn't understand bands and credit reporting companies. I kept trying talk to an actual human being and never could. So Apple card for me is pretty useless and then trying to talk to Apple about it was waste of time dealing with a AI chat bot not a human.
@The_Cali_Dude_882 ай бұрын
2- just purchase and save by being diligent pay on time❤
@cellman18293 ай бұрын
I love the Apple card and the Apple eco system it is very user friendly
@AdApT3Rx3 ай бұрын
so glad my limit is $4,250
@CasperMile3 ай бұрын
What if I don’t use my credit card much? Could it negatively impact me? I have two credit cards, but I mostly use one. However, I’m interested in the 2% cash back on the other card. I would ideally want to move to a card that gathers mileages. Any suggestions?
@Mr.VladCruz2 ай бұрын
@@CasperMile not using your credit card does not negatively affect your credit score. Having over 30% of your limit used does. What I would recommend if you have this card is have one or two revolving charges per month. For example, if you’re subscribed to Apple One, use the Apple Card as your credit card for that.
@michaelcaywood60703 ай бұрын
No, I never had an Apple Card. How can I get it?
@davidlazarus673 ай бұрын
Need to be in USA to start with. Then apply via the app.
@michaelcaywood60703 ай бұрын
@@davidlazarus67 Ok. I lived in Nanuet, New York.
@Snoopi.73 ай бұрын
Has it really been around for 5 years? 😮
@The_Cali_Dude_882 ай бұрын
One the Card is Beautiful ❤
@jherigleaton98673 ай бұрын
I terminated my Apple Card account. My credit scores has fluctuated in the 800 range and Goldman sacks offered their card with an interest rate twice what my credit union card offer. I decided thank you but no thank you. The cash back and other little gotchas doesn’t appeal to me.
@thomastevis86553 ай бұрын
Awesome videos sorry I’m soo late
@elvisvasco62453 ай бұрын
When this happens in Europe??
@03dg4rd003 ай бұрын
🐬
@ChadH20233 ай бұрын
Why the shocked face tho??
@Loujeezy3 ай бұрын
🐬
@PedroLopezBeanEater3 ай бұрын
When they switch banks, it might be better thing to do. It’s insane that they don’t lower the APR. I’ve an average of an 838 credit score, yet they won’t lower my APR when I ask (every year). “It’s what you agreed to all of those years ago. Cancel your account and apply again…”
@justaguy4768Ай бұрын
Dolphin
@lisprincecharming3 ай бұрын
🐬
@noName-kn1lx3 ай бұрын
Not worth it the zero percent financing is niw gone unless you sign w a carrier. Pretty obvious the carriers are kicking back to apple to offset the zero percent
@talluptallup763 ай бұрын
5 years?
@iMustafaTube3 ай бұрын
Believe it or not.
@Vipermanaz2 ай бұрын
🐬 🐬
@ralphlr61532 ай бұрын
I use my Apple Card for gas and for everything and I collect my cash back
@neiladams42363 ай бұрын
Anyone else think the thumbnails are cringey af?
@worldwirededge3 ай бұрын
who says KZbin videos should come with stupid thumbnails?
@JohnDiver-j2l2 ай бұрын
Need to shave your mustache
@9to5Mac2 ай бұрын
😂
@ifouthxion3 ай бұрын
I got mine, but I never used it.
@matthewheber3 ай бұрын
ios 18 beta 4 video soon
@m.hreels98223 ай бұрын
I completely disagree with you. That whole partnership with Goldman Sachs should be extremely concerning. It’s obviously bleeding both companies and honestly I’m surprised the Apple Card is still around and I’m surprised you think it’s gonna be around in the future because I don’t.
@JeffMartinelli3 ай бұрын
...and that is your opinion. Apple will not get rid of this card, they are just going to change partnerships.