Packed with interesting stories about the Apple Card, Siri & privacy, an app that simplifies navigating to a specific location, iTunes on Catalina, Health and Activity on iOS 13, and Apple Arcade - here it is issue 81. Let’s start with a few quick bites:

Enjoy the read & share the issue with your friends!

Lukasz Pikor


Apple Card - Further Information

Every day, there are more and more articles regarding the Apple Card. It seems that every aspect of it is being reviewed, be it managing your account or…cleaning the card itself, which resulted in many comments. Seriously, it looks like the Internet spent too much time this past week on that topic.

In other, much more interesting news: Steve Moser wrote a commentary about onboarding text during setting up Apple Card. He explained in plain language how Apple can share data with Goldman Sachs, target you with marketing messages, and more. Josh Centers described how to squeeze out the most out of the Apple Card benefits. John Gruber commented the news about the lack of a web/Mac interface for the Apple Card. Nicole Nguyen argued that this is risky. If you lose or break your iPhone, you have two options to pay your credit: either using an iPad or calling Apple Support.

Apart from daily cash use, Apple Card definitely has some interesting features. Be it security, keeping you off from paying interest rates, or presenting in a clear way how and where you spend your money. Some call it excellent user experience.

This doesn’t mean Apple Card is all about friendly features. Many shared a tutorial on how to opt-out of arbitration. As Tim Hardwick explains:

Basically, arbitration is a way to resolve legal disputes between two parties (in this case, between you and Goldman Sachs, which backs Apple Card) without going through the courts.

Arbitration is often touted as being a quicker and less expensive way to resolve disputes. The problem is that arbitration often favors the company over the consumer, because the arbitrator(s) is typically chosen by the company, handing them an unfair advantage

I thought that this is exactly the kind of shit that Apple - a technology (not banking) company - doesn’t want to be associated with. Which is partially true, because legal issues are handled by Goldman Sachs, but still - Apple Card is an Apple product. Yes, it’s easy to opt-out, but it would be much more consumer-friendly if arbitration would be off by default. As Jason Cross wrote, the Apple Card is not magic.

Note: I’m aware that since Apple Card is currently available only in the US, for many these links may be merely interesting. Yet my bet is that Card will follow the path of an Apple Pay and some months into the future, and we’ll see Card available in other countries. Then, the list of most-interesting details will be here, waiting for you, helping you to make an informed decision!


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