Apple Card I’m kind of done with my Apple Card

[dontwalkhand]

Is anyone just tired of it like I am?

I don’t know what’s been happening but I’m just tired of the finger pointing, and the weird bugs.

I went and got gas with my Apple Pay and it eats up $175 at a time of my available credit now. And the retailer would blame the bank, and the bank would blame the retailer. This gotten old. Just for the sake of science, I put in another $2 of gas at the same station with an Amex. Then I put another $2 at the same station with a Visa….none of those held $175. In fact, it just ran for the $2 in both cases. This obviously is the fault of the Apple Card.

Then I went to go get a coffee and my Apple Card randomly kept saying could not complete payment on my phone and Apple Watch. Then a message came up and said “card must be removed and re-added” which I did and then all of my transactions disappeared for a few hours. They all came back and worked though.

And then I got 9,000 notifications of transactions that were cleared already weeks ago.

Frankly this feels like a beta product still and I think I’m done with it. Time to go back to using my Amex as main and visa as secondary (if anything for Costco).

Other issues I have….this is supposed to be an Apple Pay card. As in you are supposed to use it primarily with Apple Pay. It declines randomly despite using Apple Pay just fine with other MasterCards and etc.

Too buggy and I’m sick of it.

I posted this on Reddit but I just got stuff from Apple apologists downvoting me.

 

[Sheepish-Lord]

Yeah that sounds like a terrible experience. Personally I’ve not had any issues but I can’t blame you.

 

[chabig]

When a merchant places a credit hold on a purchase, it’s not the fault of the card issuer, nor is it a concern. The transaction will post correctly. Aside from that, I have had any of the other problems you’ve mentioned. Your experience sounds awful, but I don’t believe it to be common.

 

[Juicy Box]

I have the Apple Card and have not had any issues with it so far. I have had it for a long while now, but only just started to use it, and only with Apple Pay, so maybe that might be the difference.

 

[TightLines]

The card is issued and managed by the vampire squid of Wall Street… they have been in trouble before in their credit card businesses… they are known thieves and crooks… i would not be suprised if what your experincing is an exploit they designed or discovered where they can collect a micro payment each time it happens to someone… and the regulating agencies are ether too stupid or too corrupt to rectify it… and will wait until the banks or merchants figure out whats happening and sue the vampire squid… i would avoid them all together for anything just based on their reported past business ethics….

 

[compwiz1202]

Is anyone just tired of it like I am?

I don’t know what’s been happening but I’m just tired of the finger pointing, and the weird bugs.

I went and got gas with my Apple Pay and it eats up $175 at a time of my available credit now. And the retailer would blame the bank, and the bank would blame the retailer. This gotten old. Just for the sake of science, I put in another $2 of gas at the same station with an Amex. Then I put another $2 at the same station with a Visa….none of those held $175. In fact, it just ran for the $2 in both cases. This obviously is the fault of the Apple Card.

Then I went to go get a coffee and my Apple Card randomly kept saying could not complete payment on my phone and Apple Watch. Then a message came up and said “card must be removed and re-added” which I did and then all of my transactions disappeared for a few hours. They all came back and worked though.

And then I got 9,000 notifications of transactions that were cleared already weeks ago.

Frankly this feels like a beta product still and I think I’m done with it. Time to go back to using my Amex as main and visa as secondary (if anything for Costco).

Other issues I have….this is supposed to be an Apple Pay card. As in you are supposed to use it primarily with Apple Pay. It declines randomly despite using Apple Pay just fine with other MasterCards and etc.

Too buggy and I’m sick of it.

I posted this on Reddit but I just got stuff from Apple apologists downvoting me.

The other thing it does for us is the available credit bounces around without us doing transactions. And this more it didn't credit a payment instantly. It's never done that before except at the end of the month

 

[compwiz1202]

When a merchant places a credit hold on a purchase, it’s not the fault of the card issuer, nor is it a concern. The transaction will post correctly. Aside from that, I have had any of the other problems you’ve mentioned. Your experience sounds awful, but I don’t believe it to be common.

Then why do the other two cards only do $2? The only time we have an issue with a hold is when we would use the Wawa app to get the 15 cents off. So we just use AP. Not worth less than $2 to have $175 held hostage for days

 

[ackmondual]

I posted this on Reddit but I just got stuff from Apple apologists downvoting me.

If nothing else, good to see MR is better about this!

 

[1885507]

Using  Pay for gas purchases, I've never seen an auth hold beyond the purchase price with gasoline.

Whenever possible, always pay with  Pay (via NFC) at the pump instead of with the mobile app.

UPDATE: The only gas apps that have ever worked consistently well and without a hiccup for me are Chevron and Shell.

 

[dontwalkhand]

Using  Pay for gas purchases, I've never seen an auth hold beyond the purchase price with gasoline.

Whenever possible, always pay with  Pay (via NFC) at the pump instead of with the mobile app.

UPDATE: The only gas apps that have ever worked consistently well and without a hiccup for me are Chevron and Shell.

You’re right with those two. I used the 76 app and even the Walmart app for Walmart gas and it just declined. Their solution? Buy a gift card with Apple Card and use that for gas…

I am suckered back into using my Apple Card mostly because I just love the Apple wallet integration.

 

[compwiz1202]

Using  Pay for gas purchases, I've never seen an auth hold beyond the purchase price with gasoline.

Whenever possible, always pay with  Pay (via NFC) at the pump instead of with the mobile app.

UPDATE: The only gas apps that have ever worked consistently well and without a hiccup for me are Chevron and Shell.

The nice thing about Apple Card is if you are running low on credit, it lets the hold take you negative and then puts it back after. And it knows how much you have to spend and stops the pump. Other cards will put the money back but decline if you don't have the hold amount.

 

[1885507]

The nice thing about Apple Card is if you are running low on credit, it lets the hold take you negative and then puts it back after. And it knows how much you have to spend and stops the pump. Other cards will put the money back but decline if you don't have the hold amount.

That's cool, I didn't know that.

 

[1885507]

I am suckered back into using my Apple Card mostly because I just love the Apple wallet integration.

Oh, just wait until you start using your  Cash rewards to buy  stock...