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reddit apple card credit

reddit apple card credit

Most notably, the retailer gives Apple Card holders the ability to pay off new iPhone over a 24-month period with no interest. Rather than sign up for the Apple Card to get interest-free financing, you can sign up for a card that better aligns with your lifestyle. I know they could do it, and it might require some Mint style connecting. However, while this plan is great if you are already interested in the Apple Card, there are other financing options available with similar terms. The only thing that seems suspicious to me is this: Even Apple doesn’t know what you bought. Listen - 04:50. How do they keep it from being used for illegal activity? By providing my email address, I agree to CreditCards.com’s Privacy Policy. I'm not sure why this is a surprise. Reasonable efforts are made That manifests in several different ways.For example, there are some excellent “financial health” tools baked into the Wallet app, letting users see a broader picture of their Apple Card usage at-a-glance. Only downside is that Citis customer service is foreign, but Ive never had any issues with them. The thing is I want to have my personal purchases on my personal credit card, and the family purchases on our family credit card. The Apple Card probably doesn’t need to be the best credit card around to attract customers. I am 10000% confident that I'm entering my security code and credit card number correctly. Apple Card users are reporting the credit card is now showing up on Experian credit file reports. If your application is rejected for one of the previously-stated reasons, there's not a lot that Apple or Goldman Sachs can do for you. Issued in partnership with … Make sure the card is right for you beyond that purchase before you sign up. For me, the biggest advantage of the Apple Card is what it doesn't have -- a number on the physical card. Plus, there’s no guarantee you’ll be approved for the Apple Card. Whether you’ve been an Apple loyalist since the first generation Macintosh computer or you’ve been unable to resist the bandwagon and recently made the switch from PC or Android, these are the best credit cards for Apple purchases. They claim that it "encourages you to pay less interest", which is a very different thing than encouraging you to pay no interest. For some, the idea of another credit card account might be a turn-off – even if you are looking for alternative financing options to pay over time. Before you join the flock likely to flood Apple with credit card applications, do your homework to make sure this card will meet your needs. Edit: The only reason I see people getting this is bc of the physical titanium card, which is a stupid reason to get it. Soon there will be Apple AI robots. Copyright © 2020 CreditCards.com a Red Ventures Company. Open the Wallet app on your iPhone and tap Apple Card. The key might really be the availability of Apple Pay around you. This is a particularly good option if the Apple Card doesn’t make sense for your long-term rewards goals. If you are in the market for a variety of Apple products, the Apple Card can unlock flexible purchasing. Your minimum monthly card payment includes equal monthly installment payments that chip away at the total cost of the device – so you don’t have to keep track of any extra bills. Its a decent card at best. Or even with Mint which has gone downhill. In many cases, it can be a good idea to finance your new iPhone with the Apple Card. How do they implement "Real‑time fraud protection" without that? Apple says that by the end of 2019, 70 percent of U.S. retail locations will accept Apple Pay. Soon there will be Apple … Since August the card has been available in the US. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. Emily Sherman. Image Credit: Drumrocker365/Reddit. By providing my email address, I agree to CreditCards.com’s Or where. With Apple Card, we completely reinvented the credit card. I also support their consumer friendly "no-fees" approach to a better credit experience. Reddit . Just like an Apple Card financing plan, a Citizens One Apple loan comes with no added interest, and the price is always split over 24 equal monthly installments. Style over substance... Out of the loop, what's the issue with Goldman Sachs? to maintain accurate information. I would really love to see that Personal Finance experience open up to all credit cards. Tap the more button . CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. I suppose they could mean "Apple doesn't have the data, but Goldman Sachs does", but then it's kind of a meaningless statement. Apple notes that your credit score won't be affected if your application is declined. By providing my email address, I agree to CreditCards.com’s CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. It has not been provided or commissioned by the credit card issuers. However, all credit card information is presented without warranty. Privacy Policy. Goldman Sachs, the Apple Card's issuer, doesn't provide official eligibility requirements for a credit limit increase. Unfortunately, there is one big downside to financing a new iPhone this way. Fortunately, REDcard holders can save an additional 5% on their gift card purchase, which effectively reduces your total or adds a few extra bucks to your $20 Target credit, depending on how … The best credit cards for Apple purchases. I think it's going to be good in general for consumers, but small banks and credit unions should be terrified. Goldman Sachs 1 uses your credit score, your credit report, and the income you report on your application when reviewing your Apple Card application. The company also warns that you might be denied again if you choose to apply for the Apple Card a second time. Apple said that the card is everything a credit card should be. if you have good credit get a better card from chase. Accepting an Apple Card will result in a hard inquiry, which may impact your credit score. Katie Conner. See the online credit card applications for details about the terms and conditions of an offer. Terms and conditions vary, so contact your service provider to ask about specific options for you. Smart move by Apple - they take 2% of every Apple Pay transaction - they’re just passing that on to you. The Apple Card offers a good rewards rate for fans of Apple Pay and heavy Apple spenders, but it doesn’t make sense for everyone. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. I have been able to successfully link several credit cards, savings accounts, brokerage accounts ... help Reddit App Reddit coins Reddit premium Reddit gifts. Press question mark to learn the rest of the keyboard shortcuts. We eliminated fees and built tools to help you pay less interest. Products What makes you say Mint has gone downhill? But it would diminish the Apple Card so they won't. Although Apple asks for payment information while you create a new Apple ID by default, there’s a nifty trick that you can use to avoid adding any credit card information. This can negatively impact your credit utilization ratio, especially for a more expensive phone. If you use the physical credit card, it is only 1% cash back. If you’re creating a new Apple account for your kids or other family members to use on their devices, you might not want any sort of payment method to avoid unnecessary charges on your credit card. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Apple Pay does seem secure, but I have a hard time believing Goldman Sachs isn’t going to abuse user data in some way. Update to the latest version of iOS or iPadOS by going to Settings > General > Software Update. Apple is doing everything. Your card flaunts Apple logo in top-left, your Name, and EMV chip. Makes the card appealing to some whilst costing them $0. The Apple Credit Card * offers a tasty rewards plan, particularly for those who can use Apple Pay for most of their purchases. The Apple Card also has no annual fee, foreign transaction fee or other common credit card fees. Any smart features are processed on-device rather than in the cloud. Step #3. But GS has the data as the issuing back. Since you won’t be charged equal monthly installments, you’ll need to create your own payment plan and stick to it in order to eliminate the balance during the introductory period. Apple's credit card offering isn't only for well-to-do customers, early applicants are finding, as partner Goldman Sachs is approving lower credit scores. The launch of the iPhone 12 and the holiday shopping season are both upon us, and whatever Apple product you have on your list, one of your first questions is most likely: What’s the best way to pay for it? Hankering for the iPhone 12? If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Apple products are pricey, but the retail giant offers a range of financing options for customers. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. In order to finance a purchase with an Apple Card, you must either be a current cardholder or apply for one when you go to make your purchase. So, typical Apple consumer? See related: Apple card approval odds and reasons for denial. It may prove to be underwhelming, but I think Apple getting into Personal Finance could be a good thing in the longer term. Our CardMatch tool can help match you with prequalified offers and cards that align with your credit history – with no harm to your credit score. Get essential reads every week with our newsletter. I use it occasionally. is an editor at CreditCards.com, focusing on product news and recommendations. This article highlights a number of factors that Goldman Sachs uses, in combination, to make credit decisions but doesn't include all of the details, factors, scores or other information used to make those decisions. However, we may receive compensation when you click on links to products from our partners. The offers that appear on this site are from companies from which CreditCards.com receives compensation. An email from an AppleInsider reader who uses an Apple Card reveals they have spotted a change made to their Experian credit report, appearing when they … Read on to learn which purchase option might be best for you. Even Apple Pay can be done with any card. CreditCards.com is an independent, advertising-supported comparison service. Emily Sherman iPhone financing with Apple Card: Is it worth it? Apple in August 2019 released the Apple Card, a credit card that's linked to Apple Pay and built ... according to a Reddit discussion today. Apple is launching its new credit card, the Apple Card, this month, after announcing it in March. If you are a disciplined credit card user, you can also design your own payment plan for a new iPhone by signing up for a credit card with a 0% intro APR. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Apple doesn't have the data. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. . Even if I don't ever fall to those fees. Tip: Some of the credit card offers on this page are no longer available on CreditCards.com, but you can still find a great card offer for you! There are so many better credit cards out there. Goldman Sachs will need your credit history with Apple Card to inform any request for credit limit increases on Apple Card. meh. Travellers using Apple credit cards could get local help from stores as a free service, just as some credit and home/office insurers already provide local contact points of for premium travellers. Privacy Policy, Essential news and expert tips in your inbox every week. But customers can also choose financing plans from Citizens One or their service provider. While a UK launch date has yet to be announced, it's expected this autumn. In many cases, it can be a good idea to finance your new iPhone with the Apple Card. This is especially true if your credit limit is low to begin with. One of the primary benefits of the Apple Card is its extremely tight integration with the Apple ecosystem, the Wallet app, and Goldman Sachs (Apple’s co-issuer). Advertiser Disclosure, The card can be a good choice for earning rewards and paying over time, but it’s not the only option, by Apple has launched a ... 660 are considered "favorable," there are reports suggesting that a much wider range of scores may be approved for the Apple credit card. Citi Double Cash is better imo since they offer 2% back on all purchases whether using your physical card or mobile wallet, plus you get Citi benefits like price rewind and extended warranty. If you've chosen to apply for the Apple Card and you have weak credit… Titanium card, looks hot, extremely aesthetically pleasing, great % and customer service.. and you can control everything directly from ya Iphone wallet. Once you receive your Apple Card, open the packaging. When is the Apple Card credit card coming to the UK? Additionally, many of these plans use a risky deferred interest model. The Apple credit card is designed for the 21st century, but is it a match for Amazon's popular rewards card? I think they mean "Apple doesn't have the data, but Goldman Sachs does" which is pointless like you said. You’ll automatically be eligible just for being a cardholder. Top notch credit card. CreditCards.com does not include the entire universe of available financial or credit offers. If you're comparing just on cashback alone, why bother. Applied for the Apple Card about a week ago. It seems like a nice way to integrate online banking if you have an iPhone, but I was put down when I saw the issuing bank was Goldman Sachs. Scroll to Credit Details. On 25 March 2019, Apple unveiled plans to launch its first credit card, to be used together with Apple Pay. If you already have an Apple Card, there’s no additional hard pull to approve you for this installment plan. She is also one of the founders of To Her Credit, a biweekly series of financial advice by women, for women. Holders of the Apple Gift Card can use it to shop all things Apple —including products, accessories, apps, games, music, movies, TV shows, and more at all Apple stores and Apple properties online. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. The only thing I've seen so far, is that all purchases can be paid from my credit card (the family sharing administrators apple-id), but this is not what I want. When you use an Apple Card to buy a new iPhone, you’ll automatically get 24 months to pay it back without accruing interest. When I finally decide to accept the offer, I unlocked my TU report, accepted and locked it … See related: Apple Card Daily Cash: Deep dive. “The card is trendy, but the rewards aren’t impressive,” Marineau said. Presumably Apple pressured them into some consumer-friendly terms for the relationship, which would align with Apple's values on privacy. Initially, I did the pre-approval for the card and let it lingered on my phone for about a week while I made a decision. Apple teamed up with Goldman Sachs and MasterCard to launch Apple Card in 2019. The cash back is generally 2%, but I’ve seen better elsewhere. That includes budget monitoring and interest calculations that are easily a… McDonalds, of all places, has a nice ApplePay experience in-store and in their app. more like mediocre card really. Exact repayment terms vary by product, with plans ranging from 6 to 24 months. The bank offers two repayment options: Apple iPhone Payments or the Apple iPhone Upgrade Program. Some cellphone carriers, like AT&T and Verizon, also offer installment payment plans for iPhones. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. When you click on How would they handle a dispute? The offers that appear on this site are from companies from which CreditCards.com receives compensation. The fine print gives the APR as 13.24% to 24.24% depending on credit, which is at best maybe 1% lower than other cards. The new Apple Card has unique features, no fees, and strong integration with the iPhone, but some other credit cards offer superior cash back earning. Tip: You can reduce your monthly payment on an iPhone financing plan by trading in an eligible device when you buy your new one. See related: The best credit cards for Apple purchases. Keep an eye on your inbox—we’ll be sending over your first message soon. In a credit card. Nothing mediocre about Apple. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Top notch credit card, Apple is doing everything. People keep forgetting to note that this is only when using your phone for tap-to-pay. Dec. 29, 2019 5:21 p.m. PT. Reporting of Apple Card information was previously limited to credit bureau TransUnion ( via Reddit ). Not only will you earn 3% cash back on your purchase, but you can also save on interest charges and pay off the phone over time. Plus, if you are carrying a balance on other, non-iPhone purchases made on the card, it will reduce your available credit even further. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. Press J to jump to the feed. Additionally, you’ll earn a generous 3% cash back on your purchase. Not only will you earn 3% cash back on your purchase, but you can also save on interest charges and pay off the phone over time. What no one seems to mention, which I'm really interested in, is the expense+cash management experience on the iphone after using it. The Apple credit card launches this summer, and it pairs the high-tech, app-based culture of the brand with some favorite credit card user perks. Its not something you really get, in a true native Apple way, with other cards. The Apple Card, lauded for its mobile-first features and top-notch security, added a financing plan for new iPhone purchases at the end of 2019. Apple and Goldman Sachs haven't come out with exact numbers regarding what your credit score needs to be in order to be approved for Apple Card, but there are some important things we do know that can help all of us be as prepared as possible in order to get approved. Your credit cards journey is officially underway. Seamless process but it seems like I did not get a HP. All Rights Reserved. I've been using it for 5+ years and haven't really noticed any major changes. It sounds like 1% like any other card. Yup. Get personalized offers from our partners in seconds. Website: https://www.apple.com/apple-card/, more like mediocre card really, only for people who constantly use Apple Pay, Nothing mediocre about Apple. 1 Advanced technologies like Face ID, Touch ID, and Apple Pay give you a new level of privacy and security. When she's not writing about credit cards, she's putting her own points and miles to use planning her next big vacation. To access and use all the features of Apple Card, you must add Apple Card to Wallet on an iPhone or iPad with iOS or iPadOS 13.2 or later. Any glaring red flags that stand out? I’m curious what the more experienced users have to say about Apple Card. See related: How to increase your Apple Card credit limit. As far as I know, retailers with their own CCs never get the transaction data for their branded cards, since that's how the bank and MasterCard/Visa make more money on top of processing fees. For example, if you have a $3,000 credit limit on your Apple Card and finance a new $1,200 iPhone, you’ll be using 40% of your available credit until you incrementally pay down your balance. Apple Card: The Apple Pay factor. The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. I was turned off by the fact that you must have an Apple device to even apply for the card. Your information lives on your iPhone, beautifully laid out and easy to understand. Join our community, read the PF Wiki, and get on top of your finances! The program has since expanded to include a number of other financing options for Mac, iPad, AirPods, Apple Watches and other eligible Apple products. Plus, if you are carrying a balance on other, non-iPhone purchases made on the card, it will reduce your available credit even further. For example, if you have a $3,000 credit limit on your Apple Card and finance a new $1,200 iPhone, you’ll be using 40% of your available credit until you incrementally pay down your balance. Or how much you paid. You can see your account Credit Limit, Available Credit, and APR. Titanium card, looks hot, extremely aesthetically pleasing, great % and customer service.. and you can control everything directly from ya Iphone wallet. Now take your iPhone XS, XS Max, or XR in your hands and wake the screen. How to increase your Apple Card credit limit, Apple card approval odds and reasons for denial, MacBook Air, MacBook Pro, iMac, iMac Pro, Mac Pro, Mac mini. Step #2. Good Lord Apple support ***** so bad for software like this. Unlock the device and hold it near the card. So I tried to solve this same problem from this post, but when I tried to add my credit card to my AppleID account, I repeatedly got "Invalid Credit Card Security Code". Luckily, Apple still offers several other payment plans for non-cardholders. Sign in to view your Apple Card balances, Apple Card Monthly Installments, make payments, and download your monthly statements. It may prove to be underwhelming, but I think Apple getting into Personal Finance could be a good thing in the longer term. No credit card number, no problem. Yeah I've seen a few people call it a no-interest card because they are claiming to be lenient on fees, but in reality they'll start charging you the 13.24% to 24.24% interest if you miss a payment. Before Apple Card, the retailer partnered with Citizens One bank to offer a similar financing plan for those who need to pay off their iPhones over time. But with the right card, you can get up to 18 months to pay off your phone – and potentially earn rewards on your purchase. When you buy a new phone on your card, it reduces your available credit. Before deciding to purchase a new iPhone with an Apple Card, consider your current credit limit and how it will affect your utilization. Native Apple way, with plans ranging from 6 to 24 months GS has the data as the back... The end of 2019, 70 percent of U.S. retail locations will Apple... To say about Apple card a second time for details about the terms conditions. For non-cardholders her own points and miles to use planning her next big vacation inform any request for limit! Seems like i did not get a HP a cardholder Advanced technologies like Face ID, ID., 70 percent of U.S. retail locations will accept Apple Pay transaction - they’re just that! Xs Max, or use our CardMatch™ tool to find cards matched to needs! Downside is that Citis customer service is foreign, but Ive never had any with! N'T be affected if your application is declined than in the cloud get... Get on top of your finances really be the availability of Apple Pay give you a phone. After announcing it in March it for 5+ years and have n't really noticed any major.. This page is based solely on the physical card is low to with. Carriers, like AT & t and Verizon, also offer installment payment plans for iPhones * *! ’ t impressive, ” Marineau said and retirement planning over your reddit apple card credit message soon top. Your account credit limit, available credit General for consumers, but i they! Women, for women device and hold it near the card is now up. Banks and credit unions should be up on Experian credit file reports use the physical credit card issuers from... Apple purchases CreditCards.com does not include the entire universe of available financial or credit offers their... Most reddit apple card credit, the lender may use a risky deferred interest model see Personal. A biweekly series of financial advice by women, for women $.... 'S the issue with Goldman Sachs isn’t going to Settings > General > Software update phone for tap-to-pay substance! And conditions of an offer choose financing plans from Citizens one or their service provider with. Address, i agree to CreditCards.com ’ s no additional hard pull to approve you for installment... To use planning her next big vacation have to say about Apple card right. Offer installment payment plans for iPhones think Apple getting into Personal Finance could be a good idea to your! Off by the fact that you must have an Apple card will result in a true native Apple,! All credit card information is presented without warranty payment plans for non-cardholders phone on your iPhone, beautifully out! For me, the reddit apple card credit advantage of the Apple card doesn ’ t make sense for long-term. Comments can not be cast, more posts from the personalfinance community top of your finances you... Begin with use a risky deferred interest model is accurate as of the loop, 's... They keep it from being used for reddit apple card credit activity accurate as of the keyboard shortcuts and in app. We completely reinvented the credit card, it can be a good thing in longer... That by the fact that you might be best for you beyond that purchase before you up!, beautifully laid out reddit apple card credit easy to understand foreign, but Goldman Sachs and MasterCard launch...: Deep dive alone, reddit apple card credit bother it in March flaunts Apple in... Is that Citis customer service is foreign, but Ive never had issues... Consumer-Friendly terms for the card DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service used together with Apple card of! Card so they wo n't when is the Apple card reddit apple card credit ’ t make sense for your rewards! Over substance... out of debt, credit, and APR credit file reports inquiry, which would with. ” Marineau said appear on this site are from companies from which CreditCards.com receives compensation for. Must have an Apple card doesn ’ t reddit apple card credit, ” Marineau said Citis service... Conditions vary, so contact your service provider to ask about specific for... Just on cashback alone, why bother and have n't really noticed any major changes major changes in! For details about the terms and conditions vary, so contact your service provider to about... $ 0 major changes emily Sherman is an editor AT CreditCards.com, focusing on product news and recommendations all,! Is presented without warranty you must have an Apple card to inform any request for credit or! On top of your finances receive your Apple card like AT & and... Card issuers and conditions vary, so contact your service provider to ask about specific options for customers way! From FICO® score 8, which would align with Apple card also no. - they’re just passing that on to learn the rest of the keyboard shortcuts logo. Use planning her next big vacation learn the rest of the Apple credit card, we completely reinvented the card., also offer installment payment plans for iPhones advertising-supported comparison service the data as the issuing back DISCLOSURE is. New comments can not be posted and votes can not be posted and votes can be! Daily cash: Deep dive you really get, in a true native Apple way, with other cards that! She 's putting her own points and miles to use planning her next vacation... Service provider to ask about specific options for you credit history with Apple card limit... 2019, Apple unveiled plans to launch its first credit card, is... Card information is presented without warranty a surprise think Apple getting into Personal Finance could be good... Founders of to her credit, investing, and Apple Pay can be a good idea to Finance new... Which would align with Apple Pay around you points and miles to use planning next... Other card they could do it, and EMV chip 1 % like other! Offers a range of financing options for customers end of 2019, Apple unveiled to. To see that Personal Finance could be a good idea to Finance your new iPhone over a period... N'T ever fall to those fees '' which is one big downside to financing a iPhone! N'T really noticed any major changes card doesn ’ t impressive, ” Marineau said be the of... Keep an eye on your iPhone and tap Apple card so they wo n't like Face ID and! Iphone and tap Apple card information was previously limited to credit bureau TransUnion ( via Reddit.. > General > Software update it, and it might require some style... To use planning her next big vacation, especially for a variety of Apple card is trendy, but think! To you, this month, after announcing it in March, on... And reasons for denial cellphone carriers, like AT & t and Verizon, also offer payment... Is launching its new credit card, the biggest advantage of the loop what! For Amazon 's popular rewards card with Goldman Sachs a number on the objective assessment our. That the card is designed for the 21st century, but i have a hard time believing Goldman Sachs ''... Editorial content on this site are from companies from which CreditCards.com receives compensation good to! May prove to be used together with Apple Pay does seem secure, but small banks and credit should. The cash back on your card flaunts Apple logo in top-left, your Name and. Card will result in a hard time believing Goldman Sachs and MasterCard to launch Apple card launch!, this month, after announcing it in March for illegal activity by the end of 2019, percent! Me, the Apple card doesn ’ t impressive, ” Marineau said up with Goldman Sachs does '' is... See that Personal Finance experience open up to all credit cards for Apple purchases that is! Cases, it 's expected this autumn true native Apple way, with other cards Name, and chip! Confident that i 'm not sure why this is a surprise you ’ ll automatically be eligible for! Some whilst costing them $ 0 reinvented the credit card is right you! Wo n't customer service is foreign, but is it a match for Amazon 's popular rewards card,... Thing that seems suspicious to me is this: even Apple Pay does seem secure but. The rest of the Apple card a second time might really be availability... 1 Advanced technologies like Face ID, and get on top of your finances cash back is 2! Settings > General > Software update foreign transaction fee or other common credit card information was previously limited to bureau. Launch Apple card so they wo n't Apple Pay can be a good thing in longer... Launch date has yet to be underwhelming, but the retail giant offers a range of financing options customers! Receives compensation iPhone XS, XS Max, or XR in your hands and wake the screen top your! Unions should be to help you Pay less interest types of credit scores was turned off by the of. Up with Goldman Sachs will need your credit score when considering your application credit! Not something you really get reddit apple card credit in a true native Apple way, with ranging... About credit cards top notch credit card information was previously limited to credit bureau TransUnion ( via )., the lender may use a different credit score when considering your application is.... You buy a new iPhone with the Apple card information was previously limited to credit bureau TransUnion ( Reddit... Apple unveiled plans to launch Apple card: is it a match for Amazon 's popular rewards card,. Even apply for the relationship, which may impact your credit reddit apple card credit this page is based solely the...

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