Apple Card FAQ: All Your Questions Answered

Apple Card FAQ: All Your Questions Answered


Apple’s Show Time event was packed with services announcements from the company. Apple announced not one or two but four different services, with most of them launching later this year. Apple also announced Apple Card — a “new kind of credit card” that has been “created by Apple, not a bank.”

In typical Apple fashion, the company is changing many aspects of how a credit card works with the Apple Card. It also focuses heavily on privacy, security, and simplicity which other credit card offerings in the market currently lack. Apple Card ties in heavily with Apple Pay to offer an ease of use that no other credit card in the market can match.

Interested in Apple Card and wondering what makes it so special? Below is everything you need to know about it.
Apple Card FAQ: Everything You Need to Know
Made by Apple and Goldman Sachs

Despite Apple’s claim of Apple Card not being created by a bank, Apple has teamed up with Goldman Sachs for Apple Card. Additionally, Mastercard is the payment processing partner for Apple Card.

The USP of Apple Card are as follows:


Integration with Wallet and Apple Pay


No hidden fees


Detailed spending data


Daily Cash


Privacy


Security

First, let’s talk about integration with Apple Wallet and Apple Pay. The integration means that one can use Apple Card and all transactions done via it will be neatly shown inside the Wallet app. The integration means one can easily sign up for Apple Card right from their iPhone using the Wallet app and start using it with Apple Pay. Apple Card will work where Apple Pay is accepted — online or offline — and in case Apple Pay is not supported, Apple is offering a physical card as well.

The integration also means one can see a detailed overview of their spending habits. The Wallet app will automatically categorize your transactions in different categories and provide detailed transaction history. For example, if you cannot remember a transaction, you can tap on it and you will be shown the exact location in Apple Maps where the transaction was done.

Q) What are the pre-requisites for signing up for Apple Pay?

A) Apart from living in the United States and owning an iPhone, the only other pre-requisite for Apple Pay is that you must have two-factor authentication set up for your account.

Q) How does one sign up for Apple Card?

A) Once released, one can sign up for Apple Card right from within the Wallet app. Your registration will be approved by Apple and Goldman Sachs before you’ll be able to start using Apple Cash. Having a low credit score means your application might be rejected.



Q) How is Apple Card integration with the Wallet app in iOS beneficial?

A) The integration means that all transactions you do via the Apple Card automatically show up in the Wallet app. Your expenses will be categorized in different categories and you would be able to see your highest spend category on a weekly/monthly basis.

Q) Can one Apple Card have multiple users or shared cards?

A) No, that’s not possible. Right now, Apple Card is limited to one person per account as of now.

Q) How does one get the physical Apple Card?

A) A user can request the physical Apple Card from the Wallet app.

Q) Does the card come pre-activated or does it need to be activated?

A) Once you receive your physical Apple Card, you will need to activate it manually. The process is similar to how one pair AirPods with an iPhone. Simply bring the card near your iPhone and you will automatically get a pop-up to activate it.

Q) Is there any fee involved with the physical Apple Card?

A) No, there are no fees involved with the physical Apple Card. Apple will send you one for free.

Q) What happens if one loses their physical Apple Card or it gets stolen?

A) This is where the tight integration of Apple Card and the Wallet app comes into play. You can simply use the Wallet app to block your physical Apple Card and then request a replacement.



Q) How much do replacement Apple Card costs?

A) Apple currently is not charging any fees for replacement Apple Card.

Q) Does the physical Apple Card support contactless transactions?

A) No, it does not. Apple expects you to use Apple Pay in such situations.

Q) How does the physical Apple Card work since it has no numbers printed on it?

A) The physical Apple Card has no numbers printed on it but the mag stripe has the card number stored. Even the Wallet app will only display the last four digits of the physical card number. There’s no way to know the full card number of the physical Apple Card.

Q) Since the actual Apple Card number is not printed, how will one use Apple Card for online transactions?

A) For online transactions, one can use Apple Card via Apple Pay. If that’s not available, one can generate a virtual card number and CVV using the app on their iPhone and use it for online transactions.

This number will be valid as long as you want it to. It will only stop working when you generate a new card number. Otherwise, the last generated card number and CVV from Apple Card will continue to remain valid.

Q) Do Apple Card transactions require a signature for verification purposes?

A) No, they don’t.

Q) What kind of cashback is Apple offering with Apple Card?

A) All physical Apple Card transactions have a 1 percent cash back, while all online Apple Cash transactions offer 2 percent cash back. For products purchased through Apple’s online store, Apple is offering a 3 percent cash back. Apple is calling this Apple Daily Cash.

Q) Where is this cash back credit and how can it be used?

A) Apple will credit the cash back a.k.a Apple Daily Cash to your Apple Cash card account every day. You can use Apple Daily Cash for other transactions as well as for paying your outstanding amount.

Q) What happens when one switches to a new iPhone?

A) As soon as you sign into your new iPhone with your iCloud account, all your details and Apple Card related information will be transferred to the device.

Q) What are the late payment fees associated with Apple Cash?

A) As Apple highlighted during the event, there are no late payment fees associated with Apple Cash. So, even if you don’t pay your entire Apple Cash outstanding amount, you will not be charged any fees from Apple.

Q) What charges does one pay if they only pay the minimum amount due of their Apple Cash statement?

A) Only the interest on the amount outstanding will need to be paid. This interest rate will vary depending on your credit score. One positive aspect of Apple Card is that Apple will not increase the interest rate on the outstanding balance like other banks do.



Q) What are the Apple Card interest rates?

A) Apple will charge anywhere between 13-24 percent as interest rate depending on one’s credit score.

Q) Can an Android smartphone user use Apple Cash?

A) Yes, they can but the experience won’t be the same which kind of makes it pointless. Since there’s no Wallet app for Android, Android users can only use the physical Apple Pay card.

Q) When will Apple Card expand outside of the U.S.?

A) There’s no word from Apple as to when it will bring Apple Card to other parts of the world.

Q) How is Apple Card different from other credit cards in terms of ads and privacy?

Apple always puts a great deal of stress on the privacy and security of all its products and services. Apple will not be sharing any transaction data with Goldman Sachs which means Apple Card users will be spared from targeted ads. It will also not sell your information to third parties.





Have any other questions about Apple Card? Drop a comment and we will answer them for you.

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Google Chrome 73 Brings Dark Mode on macOS Mojave

Google Chrome 73 has been released by Google and it adds Dark Mode support to the browser. The feature is integrated with the dark mode in macOS Mojave so enabling dark mode at an OS level will switch Chrome to a dark theme as well.

Sadly for Windows users, the dark mode support is nowhere to be found. As for the Dark mode in the macOS version, it looks very similar to how Chrome looks when used in incognito mode. If you don’t enable the system-wide dark mode in macOS Mojave, you won’t be able to enjoy the dark mode in Google Chrome as well.



In addition, the release contains over 60 security fixes. Plus, the update brings Progressive Web Apps support to desktops which should further help in the uptake of PWAs among developers. Chrome 73 also adds support for keyboard media keys on Windows, macOS, and Linux. This means you can use the media keys on your PC to control media playback on sites like YouTube.

Other new features that are a part of Chrome 73 include enhanced spell check, “Safe browsing extended reporting” features, a “Skip ad” button for videos played in picture-in-picture mode, and more.

If you are already using Chrome, it will automatically update itself in the background. If not, you can also go to Chrome -> About Google Chrome and trigger the update manually.

Do you use Chrome on your Mac? Or do you prefer Safari because it is lighter on system resources? Drop a comment and let us know!Also Read:Top 6 Anonymous Messaging Apps for iPhone: What You Need to Know?
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6 Tips to Fix iPhone Screen Dark or Dim (iOS 12 Supported) 2019

It seems really terrible when iPhone screen gets dark and you can hardly see the screen. This is a case frequently happening to many iPhone X users. You might think that perhaps the low brightness is the reason. Well! It could be. But what if it's not? Chances are your device might be suffering from some software glitch. Moreover, any kind of incorrect configuration can also lead iPhone screen to be dim. No matter what are the grounds for such issue, we will here try to help you fix this problem. Start reading the tips below and follow them if your device's screen is extremely dark and you're unable to see it. Possibly you will be out of the problem when the post ends.


6 Tips to Fix iPhone Screen Dark or Dim (iOS 12 Supported)


1. Uninstall the App That Is Using Lots of Energy


2. Check Settings


3. Force Restart iPhone


4.Reset All Settings


5. Repair iPhone Screen Dim without Data Loss


6. Restore iPhone using iTunes (Erase iPhone)
1. Uninstall the App That Is Using Lots of Energy

In order to get rid of the iPhone dark screen, firstly make sure to go for uninstalling the energy consuming apps. These apps might be culprit and giving you dim screen constantly. So, our first suggestion is uninstalling those apps.


2. Check Settings

You need to check some of the settings when iPhone screen gets dim. We have listed four things that you need to make sure of. So, check them one by one.
Turn Off Auto-Brightness


Go to 'Settings' and hit on 'Display & Brightness'.


Now check if Auto-Brightness is off. If not, turn it off.


Turn Off Reduce Transparency


Open 'Settings' and tap 'General' followed by 'Accessibility'.


Go to 'Increase Contrast' now and disable the option 'Reduce Transparency'.


Disable Display Accommodation

If color related options are turned on, this can lead to dim screen of iPhone. So, make sure to turn them off. Follow the steps below.


Run 'Settings' in your device and tap 'General'.


Go to 'Accessibility after this and hit 'Display Accomodation'.


Now disable 'Reduce White Point', 'Invert Colors' and 'Color filter' options.


Turn Off Zoom


The last thing you need to check in settings is zoom option. Tap 'Settings' for this and go to 'General'.


Tap 'Accessibility' followed by 'Zoom'. Turn it off now.


3. Force Restart iPhone

You can also try force restarting when iPhone screen is dim. You are likely to get you phone back to normal by following this workaround. Here are the steps that are supposed to be performed for this method.

Start simultaneously pressing 'Home' and 'Power' button until you see the Apple logo on your iPhone 6/6s and earlier iPhones. If you have iPhone 7/7 Plus, press 'Volume Down' instead of 'Home' button. Do this along with 'Power' button and release when Apple logo is visible.



If you have latest device i.e. iPhone 8/8 Plus/X, press 'Volume Up' button and release quickly. Now, repeat this with 'Volume Down' button. Lastly, keep pressing the 'Power' button until you find Apple logo appearing on your screen.


4. Reset All Settings

Sometimes, changed settings can lead to this issue and make your iPhone screen dark and hence resetting them can fix the problem. To perform this, tap on the 'Settings' > 'General' > 'Reset' > 'Reset All Settings'. Confirm the action by entering password.


5. Repair iPhone Screen Dark without Data Loss (iOS 12 Supported)

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How to Track a Cell Phone Without Installing Software

How to Track a Cell Phone Without Installing Software 2019

Nowadays, more and more people are resulting to tracking on their children, spouses or even friends to find out what they are up to. You will find many track on iPhone without installing software apps available in the market that you can use just for fun or for obtaining specific information from someone. You can use a track app to keep in touch with your friends, locate someone or a lost phone, relay a message to a specific person or even use it to play detective in your own movie. Whichever the case may be, you will need to find a track app that is suitable for your iPhone and one that can be effective in what you want to do.

The list below will give you a heads start on finding the right track iPhone without installing software app that can be helpful to you.
1. Gizmos

This is an app that gives you a fun and more discreet way of getting in touch with your friends through different methods of communication. With this app you can cipher and send coded messages to your friends. Your friends can then use this app to open and read the sent message. You can also write a message using Morse code and this app can then send the message by either making a sound or flashing on your screen for people around to hear or read the message.


2. GPS Location Tracker

The GPS location tracker is a track on iPhone without installing software app. For you to use this app to track your phone, you will need to first have a registered account on the website then enable the location on your iPhone so that the app can be able to track your phone. For you to be able to access the location information of your phone from their secure server on the website, you need to be connected to Wi-Fi or cellular data. Without connection the information will remain on the phone.


3. Spy Recorder

Spy recorder is an audio recording app which reminds you of any recordings you have scheduled. When it is time to make a recording, your phone vibrates and a notification appears which you can then tap on it for you to start recording. You can also use this app to set recordings on specific locations, pause between recordings or even set a specific duration for each recording. The good thing about this is that you can save the recorded location data, attach and send it to your email for future use.


4. Contact Spy

Contact spy is an app that you can use to find out the identity of the unknown person calling your phone. If you keep receiving calls from phone numbers you don't know, this is an app that you can use to find the identity of the person calling you. You can do this by saving the unknown number in your contact list then running it through the search engine app. The downside to this track iPhone without installing software app is that you can only use it to find US phone numbers. This app can also help you get more information on a person you don't know by searching using their first and last names.


5. Call Log Pro

Call log pro is an app that you use to record phone call conversations made between you and another person. You will have to use this app to call the person you want to record but it only starts recording once the person picks your call. You can then make the recording then save the recorded conversation and send it to your email for future use. However, there is a down side to this app. The app records free for only the first 2 minutes after which you then have to pay 4.99$ for every 30 minutes recording time.Sponsor ads:Also Read:5 Best Music Player for PC to Free Download 2019
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Whether you just want to have fun or for a specific purpose, using a track on iPhone without installing software app can only be achieved if you know which app to use on the phone. Nobody will ever give you permission to track on their phone. Each track app in the list above gives you detailed information on what they are used for. You are now in a better position to choose which track iPhone without installing software app you want to use.

Unlock Disable iPod Touch with iTunes

Unlock Disable iPod Touch with iTunes

There is another way to unlock your iPod Touch, let’s see the method trough iTunes. You can delete the device with iTunes to remove the security code. Follow these steps to restore your iPod Touch.

Step 1: Connect your iPod Touch to the computer with which you synchronized the device with iTunes.

Step 2: Open iTunes on your computer.

Step 3: Wait until the iTunes get synchronized with your iPod Touch. Select it from the iPhone icon and then go to “Summary”.

Step 4: When the synchronization and backup have finished,  click on “Restore iPod”.

And that’s it, you have successfully restore your iPod Touch using iTunes and your iPod lock will be removed.

---

Conclusion

There are many companies that every day still working to provide technical solutions to every problem that our devices may present. With electronic devices occupying such an important place in our daily tasks, any change can generate major problems.

Remember that it is important to perform the proper maintenance of your devices. Use specialized and authorized products to perform maintenance. The use of any unauthorized software could permanently damage your iPod Touch, and especially, the illegal music downloads. This can even cause you to lose your iPod's warranty.Sponsor ads:

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Support all the latest iPhone, iPad and iPod Touch

Both Free and Pro version.

If you lost data after you updated to a new iPhone, you can always use Gihosoft iPhone Data Recovery to get the data back from the old iPhone or backup.You may also like: iphonerecovery.com

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Disable Press Home to Unlock on iPhone

 1 Disable Press Home to Unlock on iPhone

If you do not want to get your iPhone locked or disabled due attempting to unlock your iPhone too many times, then it’s a good idea to disable this feature altogether. How to do it? Easy and you’ll see it can be done in a blink of an eye.


Once you’ve decided you will not use Touch ID again, it’s time to head to the General menu in "Settings."


Scroll down and select the "Touch ID & Passcode".





You will be required to enter your 4/6 digit password to continue.





Then you can see “iPhone Unlock” and “Apple Pay” under the “USE TOUCH ID FOR” section. Just turn off the “iPhone Unlock”.

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There you are, now you can unlock iPhone without pressing home button.
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Fix: Don’t Have Permission to Delete Photos from iPhone – iOS 12 Supported

Other Tips That May Work for You
Disable "iCloud Photo Album"

Since the problem occurs due to the iCloud picture management feature, you will need to disable it in order delete your iPhone photos on your computer. You don't need to disable the entire iCloud (such as iCloud for calendar and other features); you just need to disable iCloud Photo Album. Follow these steps to fix "don't have permission to delete photos from iPhone" issue:

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Open Settings app on your iPhone.


Navigate to Photos &d Camera.


Find and uncheck the option called 'iCloud Photo Library'. Now you should be able to delete your iPhone photos without any issues.


Delete Photos One by One Using Photos App on iPhone

You can delete your iPhone photos conveniently from the Photos app on your device.
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Open Photos app on your iPhone.


Find the photo that you wish to delete and open it. You will see several options i.e. Edit, Share, Delete, etc.


Click on the trash can to delete the opened photo and then confirm your action.


Repeat these steps for other photos that you wish to delete.



Note

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Restore lost data from iOS devices directly or from iTunes and iCloud backup

Recover iPhone data lost due to iOS upgrade/jailbreak, accidental deletion, device lost or broken

Support all the latest iPhone, iPad and iPod Touch

Both Free and Pro version.

If you lost data after you updated to a new iPhone, you can always use Gihosoft iPhone Data Recovery to get the data back from the old iPhone or backup.You may also like: iphonerecovery.com

If you use android phones, please choose Gihosoft Android Data Recovery.

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