Apple 將發行聯名卡 - 信用卡

新聞來源:

https://www.macrumors.com/2019/03/25/apple-announces-apple-card/?fbclid=IwAR0oO5u9O6Ii8NtJ_N9OKuTQ8j8YB9vWugv-Xb32yY6Q-bEJChy1E-Yeaf0


摘要:

今天一早看到的消息，簡單來說 我大apple 和高盛合作，要在今年夏天推出第一張

聯名卡。現金回饋2% (蘋果系列3%) 當日刷當日回饋入賬使用，無遲繳違約金、更

低的循環利率、金屬卡。

並且，實體卡沒有卡號、沒有CCV、無到期日、不需簽名。試圖為信用卡市場創造

一個新的未來。



原文:

Apple today revealed a brand new service called "Apple Card," a new digital
and physical credit card that users will be able to sign up for right from
their iPhone. Apple says this sign-up process takes just a few minutes and
then they can start using the Apple Card right away in stores, in apps, or
online worldwide. Apple partnered with Goldman Sachs and Mastercard for Apple
Card.


After spending, Apple Card will give users simple real-time views of their
latest transactions and balance in the Wallet app. Apple Card uses machine
learning and Apple Maps to label transactions with merchant names and
locations. Purchases are then automatically totaled and color coded through
categories like Food and Drinks, Shopping and Entertainment, and more.

At the end of each week and month, the Wallet app will show what users spent
to help visualize their past finances. The company will also provide 24/7
customer support through Messages.

Anyone who uses Apple Card will receive a percentage of every purchase amount
back as "Daily Cash," the card's rewards program. Every time users pay with
Apple Card they will receive 2 percent Daily Cash back, and if they make a
purchase directly with Apple they'll get 3 percent Daily Cash back. Daily
Cash is immediately added to the user's Apple Cash card in the Wallet app,
and can be used anywhere Apple Pay is accepted.



Apple Card has no fees associated with it, and the company says that "Apple
Card’s goal is to provide interest rates that are among the lowest in the
industry and if a customer misses a payment, they will not be charged a
penalty rate."

As with Apple's other services, the company promises that Apple Card is
completely secure and private.
A unique card number is created on iPhone for Apple Card and stored safely in
the device’s Secure Element, a special security chip used by Apple Pay.
Every purchase is secure because it is authorized with Face ID or Touch ID
and a one-time unique dynamic security code. The unique security and privacy
architecture created for Apple Card means Apple doesn’t know where a
customer shopped, what they bought or how much they paid.
There will also be a physical Apple Card for shopping at locations where
Apple Pay is not accepted. The card is made out of titanium, has no card
number, no CVV, no expiration date, and requires no signature.

Apple Card launches in the United States this summer.




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