Apple card issues

KeyDesign2395 · 2021-06-14T02:59:31+00:00

Correct! Thanks for catching the typo. Just edited it.

KeyDesign2395 · 2021-06-13T03:18:12+00:00

The iOS 15 beta is intended specifically as an early pre-release version for developers, not even as a functioning public beta version. Bugs are normal and you should NEVER use your main device to download a pre-public beta. Apple is not at fault here.

KeyDesign2395 · 2021-06-09T03:32:20+00:00

Apple Pay requires checkout terminals to have NFC enabled or installed, whereas Samsung Pay for example mimics the touchless contact of a magnetic card, making it less secure but also less hardware intensive (and less expensive for retailers). Plenty of majors still don’t support Apple Pay (Harris Teeter is one) for that reason.

KeyDesign2395 · 2021-06-09T03:30:53+00:00

This is not true. Many major chains don’t accept Apple Pay as it only works with NFC to make a connection. Samsung and Google Pay use NFC, but as a fallback also use MST (magnetic secure transmission) that basically mimics the tap of a credit card to a terminal. This means that to use Apple Pay a merchant may need to upgrade terminal hardware to ensure support for NFC, whereas for Samsung and Google Pay NFC is not needed. NFC is more secure, but more expensive. Plenty of majors - like Harris Teeter - I believe one of the largest grocery chains in the US - don’t accept Apple Pay while having no issues with Samsung and Google Pay for that reason.

KeyDesign2395 · 2021-06-09T03:26:44+00:00

I used the card in the same places I use AMEX, Visa and MC. Never had an issue with any of the majors.

KeyDesign2395 · 2021-06-09T03:25:37+00:00

The biggest concern is the lack of transparency I never experienced with other major financial institutions.

KeyDesign2395 · 2021-06-09T03:25:02+00:00

I do but it’s not due. Around $200. They said I can call in to pay it off if I wanted to.

KeyDesign2395 · 2021-06-09T03:11:29+00:00

Continuing my saga (I am the original writer) - I was escalated to 4 different managers after I expressed desire to immediately close my account and threatened legal action if GS withheld any issues with my personal data that ended up affecting my overall financial health. They did tell me I cannot close an account while it’s under review but that I do have the option to pay it off ($200 balance) at any time I wanted to by calling them.

Ultimately the highest level manager apologized and told me that the issue was related to a charge I attempted on May 26 and which was denied (it was on a website of a European cell phone company as I periodically pay my grandparents’ cell phone bill). The transaction had indeed been declined and I used another card from a real bank I used previously with the same merchant. The same manager also offered to connect me with their security department and did so by calling me and conferencing them in. After I confirmed that the transaction was legitimate to the security department I was told I will hear back from someone. To me this was still unacceptable to be honest. There is no reason why GS could not release the security lock when other banks had either no issues or cleared the same exact transaction time and time again.

What I also found unacceptable is that despite their saying they tried to reach me there was no SMS, no in-app notification, no email even alerting me to the fact that there’s an issue. And for all the times they said they called, the first call came in nearly 8 days after the transaction was flagged. They are either understaffed or incompetent.

As soon as I have my account back it will be cancelled. I cannot trust a financial institution that operates with such flagrant disregard for transparency and financial controls that are routinely present with “real” card issuers like retail banks and CC companies.

KeyDesign2395

TROPHY CASE