Apple Card is a brand new cash-rewards bank card that — Apple purports — is designed to be easy and clear. Nevertheless it’s additionally aimed toward retaining you locked into your iPhone.
There are not any paper statements with the digital-first Apple Card. Not like a standard bank card, every little thing is accessed by means of the Pockets app on the iPhone, together with transaction histories, whole balances, earlier statements, and funds. There’s no web site to view the newest transactions made on the cardboard or make a fee if you happen to lose entry to that Pockets app.
So, how do you pay your Apple Card invoice in case your iPhone is misplaced or stolen? You may all the time wait till you purchase a brand new cellphone, or recuperate your outdated one, however a late fee would end in curiosity expenses which, clearly, wouldn’t be ideally suited. As a result of Apple’s assist web site doesn’t say, BuzzFeed Information posed the query to a customer support consultant by means of Apple’s cellphone and textual content message assist system (Apple Card is presently obtainable to a restricted variety of individuals and members of the press).
In keeping with Apple Help, your choices are: 1. Use an iPad or different iOS gadget to entry the Pockets app, or 2. Name Apple Help (not, presumably, with the cellphone you simply misplaced) and a consultant will join you to an Apple Card specialist at Goldman Sachs, Apple’s financial institution associate. You’ll want your full identify, date of start, final 4 digits of your Social Safety quantity, and the cellphone quantity related along with your account to make a fee over the cellphone.
An Apple spokesperson confirmed the assist rep’s steerage.
Apple’s web site recommends turning on Discover My iPhone to assist find and, if wanted, remotely wipe lacking gadgets, and including a passcode for safety functions. Organising scheduled funds in Pockets may also assist forestall a possible late fee, which might end in curiosity expenses.
By comparability, Capital One, Citibank, and American Categorical Blue Money playing cards have two on-line choices — a cellular app or web site— to pay your assertion and monitor your account. With an Apple Card, you want an iPad as backup, or to get on the cellphone with a assist rep ASAP.
In different phrases, practically each different trendy bank card affords customers a approach to entry their account with a browser on desktop, giving them the pliability to pay payments from any gadget — and Apple Card, regardless of its titanium, numberless, futuristic veneer, doesn’t.