Apple Card is a new cash reward credit card that – Apple claims – is designed to be simple and transparent. But it also aims to keep you locked into your iPhone.
There are no paper statements with the digital-first Apple card. Unlike a traditional credit card, you can access everything through the iPhone Wallet app, including transaction history, total balance, past statements and payments. There is no website to see the latest transactions made on the card or pay, if you lose access to that Wallet app.
So how do you pay your Apple Card bill if your iPhone is misplaced or stolen? You can always wait until you buy a new phone or restore the old one, but a late payment will result in interest costs that would obviously not be ideal. Because Apple's support website doesn't say so, BuzzFeed News asked a customer service representative through Apple's phone and text messaging support system (Apple Card is currently available to a limited number of people and press members).
According to Apple Support, your options are: 1
An Apple spokesperson confirmed the support representative's guidance.
19659002] The Apple Web site recommends turning on Find My iPhone to find and, if necessary, remove remotely missing devices and add a password for security purposes. Setting up scheduled payments in Wallet can also help prevent a potential late payment, which will lead to interest costs.
By comparison, Capital One, Citibank, and American Express Blue Cash cards have two options online – a mobile app or web site – to pay your bank statement and monitor your account. With an Apple card, you need an iPad as a backup, or to get on the phone with a support representative ASAP.
In other words, almost every other modern credit card offers users a way to access their account with a desktop browser, giving them the flexibility to pay bills from any device – and Apple Card, despite its titan , countless, futuristic veneers, don't.