Apple waxay abuurtay kaarka deynta^{(credit card)} . Dadka inta badan u haysta Apple inay tahay shirkad kombiyuutar (ama telefoon), tani waxay noqon kartaa yaab. Si kastaba ha ahaatee, Apple maahan shirkad tignoolajiyadeed maadaama ay tahay astaan ​​iibisa aragti gaar ah oo ku saabsan sida ay arrimuhu u ekaan lahaayeen, u dareemi lahaayeen una shaqayn lahaayeen. Marka, mabda'a ahaan, kaarka deynta Apple ma ahan wax la yaab leh. Apple waxay aaminsan tahay inay dib u soo cusboonaysiiyeen kaarka deynta ee dhaqameed laakiin ma heshiis fiican bay ku tahay nolosha dhabta ah?

Waxaan si adag u eegnay waxa kaadhka deynta ee Apple uu ku bixiyo warqadaha iyo goobaha la mariyo sida Reddit iyo warbaahinta bulshada si aan u helno dareenka dhibaatooyinka maalinlaha ah ee dadku ay ku baraarugeen isticmaalka kaarka  Titanium .

Markaa haddii lagugu daneeyo inaad soo gasho shayga cusub ee dhalaalaya (kaarka-qaabaysan) ee Apple , akhri marka hore si aad u hubiso inaad ogtahay waxa aad ugu jirto.

Apple Credit Card: waa maxay heshiisku?

Maxay tahay sababta qof u doonayo inuu haysto kaarka deynta Apple halkii uu ka heli lahaa kaarka dhaqanka ee hay'adaha bangiyada ee la aasaasay? Waxaa jira dhowr soojeedin oo qiimo leh oo kaarka deynta Apple uu miiska keeno kuwaas oo lagu soo koobi karo sida soo socota:

• Wadarta is dhexgalka iyo ku tiirsanaanta iPhone
• La-qabsiga Apple Pay
• Dashboard cad oo dareen leh oo lacag bixinta iyo dulsaarka ah
• Heerarka ribada oo aad u wanaagsan (haddii aad heli karto)
• Cashback (oo leh qiime sare oo loogu talagalay Apple iyo la-hawlgalayaasha)
• Shuruudaha bilaa dulsaarka ah ee aaladaha Apple

Marka laga reebo taas, kaarka jireed laftiisa waa qayb ka mid ah injineernimada Apple . Mid yar oo laga sameeyay titanium, kaarku uma badna inuu waligii duugo. Si kastaba ha noqotee, maqaalkan, kama daneyno kaarka jirka, laakiin halkii heshiiska guud ahaan. Haddaba aan si faahfaahsan uga wada hadalno soo jeedimahan qiimaha leh.

Is-dhexgalka^{(Integration)} iPhone (Wixii ka wanaagsan^(Better) ama ka sii xun)

Hal dhinac oo gaar ah oo ka mid ah kaarka deynta Apple waa ku tiirsanaanta iPhone. Haddii aadan haysan iPhone , ma heli kartid kaarka deynta Apple .

Kaadhka laftiisu waa uun kordhinta nidaamka jeebka dhijitaalka ah ee ka jira taleefankaaga. Ma laha nambar kaarka deynta oo gebi ahaanba madhan. Kaarka jir ahaaneed wuxuu ku siinayaa hab aad ku bixiso haddii Apple Pay aan la heli karin. Tani waxay ka dhigan tahay in 1% lacag caddaan ah lagu soo celiyo halkii 2%. Hubaal, kaarka titanium waa qurux badan oo qabow, laakiin ma aha barta at dhan.

Faa'iidada Dulsaarka^(Interest) ee Kaadhka Credit ee Apple^{(Apple Credit Card)}

Apple waxay sheegtay in kaarkoodu ka duwan yahay maadaama ay kugu dhiirigelinayso inaad bixiso dulsaar yar. Tani waxay u muuqataa wax yar oo liddi ku ah sababtoo ah shirkadaha kaararka deynta ayaa lacag ka sameeya dulsaarka aad ku bixiso deyntaada amaahda.

Apple way ka baxday wadadii ay ku lahayd inay ku tusto goorta iyo sida loo bixiyo si aad uga fogaato dulsaarka hadhaaga kaa maqan. Waxa kale oo aad kaliya bixisa qaybta hadhaaga ee aad dooratay in aanad bixin. Tani maahan wax ka duwan sida kaararka deynta badankoodu u shaqeeyaan. Haddii aad lacag ka amaahato kaarka deynta muddo gaaban oo aad ku soo celiso waqti go'an gudaheed ma soo baxayso wax dulsaar ah.

Farqiga ugu weyn ee halkan waa Apple wuxuu ku tusayaa tirooyinka kuu ogolaanaya inaad yareyso lacagaha ribada ah, halkii aad ka ilaalin lahayd kuwa qarsoon.

Kaarka deynta Apple waa mid caan ku ah in ka badan sida hufan ee ay u sameyso xisaabinta dulsaarka. Apple waxay sidoo kale bixisaa qaar ka mid ah dulsaarka ugu hooseeya ee suuqa ee kaarka deynta cashback. 

Iyadoo heerka dulsaarkaagu uu yahay mid aad u hooseeya guud ahaan, sida aad ugu dhowdahay heerka dulsaarka ugu hooseeya ee suurtogalka ah waxay ku xirnaan doontaa qiimeyntaada deynta iyo algorithm-ka ay Apple isticmaasho si ay u go'aamiso xadka kaararka iyo heerka dulsaarka.

Abaalmarinta Lacag-celinta

Isagoo ka hadlaya abaalgudka cashback, Apple waxay haysataa xal aan dheellitirnayn oo meesha yaalla. Haddii aad iibsato alaabta Apple ama aad Apple Pay ka iibsatid la-hawlgalayaasha, abaal-marinaha cashback waa wax la taaban karo. Haddii aad wax ka iibsatid meel ka baxsan shabakadan lammaane, waxaa jira kaarar bixiya soo celin wanaagsan celcelis ahaan. 

Markaa haddii kaarka deynta Apple uu yahay heshiis wanaagsan waxay si xooggan ugu xiran tahay haddii aad tahay macmiil Apple ah, si joogto ah u isticmaashid Apple Pay ^(Apple) ,^(Pay) ama ka dukaamaysiga tafaariiqda kuwaas oo qayb ka ah shabakadooda lammaane.

Faa'iidada Apple Gadget

Haddii aan daacad nahay, mid ka mid ah sababaha ugu waaweyn ee Apple ay u badan tahay inay la timid kaarkooda deynta ayaa ah inay ka iibin karaan waxyaabo badan oo Apple ah dadka. Maadaama aad u baahan tahay inaad leedahay iPhone si aad u haysato kaarka, kaliya dadka horay ugu jiray nidaamka deegaanka ayaa u qalmi doona. 

Apple waxay ku siinaysaa inay ku iibiso alaabada Apple iyagoo isticmaalaya kaadhkooda haba yaraatee. Si kale haddii loo dhigo, waxaad qalabka Apple ku helaysaa qiimo lacageed, laakiin qorshe lacag bixin ah. Dhammaan badeecooyinku maaha kuwo u qalma oo muddada ugu badan ee lacag bixinta waa kala duwan tahay, iyadoo 24 bilood ay tahay tan ugu dheer ee suurtogalka ah.

Isku xirka Goldman Sachs

Iyadoo kaarku si geesinimo leh ugu xardhan yahay astaanta caanka ah ee Apple , waxa laga yaabaa inaadan la yaabin markaad maqasho in Apple aanu noqonin hay'ad maaliyadeed oo madaxbannaan. Kaarkooda waxaa taageeray Goldman Sachs . 

Inkastoo aysan jirin wax qalad ah mabda'a tallaabadan, qof kasta oo ku fekeraya inuu codsado kaarkiisa waa inuu ogaado cidda uu ganacsigiisa la leeyahay. Waxaa jiray sheekooyin warbaahinta kor u qaadaya walaacyada gaarka ah iyo arrimaha suurtagalka ah ee takoorka^{(issues of discrimination)} algorithms marka ay timaado go'aaminta heerka dulsaarka. 

Haddii aadan ku faraxsanayn sida Goldman Sachs ganacsi u sameeyo, markaa kuma farxi doontid inaad leedahay kaarka deynta Apple .

Yaa U Fiican Kaadhka Amaahda Apple^{(Apple Credit Card Good)} ?

Marka hore aan arrinta ugu weyn jidka ka saarno. Haddii aadan horey u ahayn isticmaale iPhone ama qof ku sii socon doona iPhone iyo nidaamka deegaanka ee Apple muddada dheer, kaarka Apple maaha mid u qalma. Hubaal, ma laha lacag sanadle ah, laakiin dhab ahaantii, iPhone ugu jaban wuxuu ku kacayaa $ 400. Markaa taas ka samee waxaad doonto.

Maadaama ay tahay inaad marka hore maalgashato iPhone-ka, kaas oo aan raqiis ahayn, abaal-marintu sabab uma aha. Haddii aad raadinayso qaab aad ku heli karto Apple -gaaga qiimaha ugu fiican, kaarku wuxuu noqonayaa mid soo jiidasho leh. Qorshayaasha lacag-bixinta bilaa ribada ah ee aaladaha Apple waa soo jeedin cajiib ah. Waxa kale oo aad helaysaa 3% lacag caddaan ah oo dheeraad ah dib u bixinta qalabka.

Waxa la mid ah iibsiyada Apple Pay . Haddii aad horeba ugu isticmaalaysay Apple Pay nolol maalmeedkaaga, markaa kaarku wuxuu bixiyaa faa'iidooyin waaweyn. Haddii uusan qofna ku siinin doorashadaada caadiga ah ee tafaariiqda, waxaa jirta sabab yar oo loo isticmaalo kaarka Apple .

Arrin kale oo laga yaabo in ay dhibaato ku noqoto dad badan ayaa ah in Apple aysan ogolayn in wax ka badan hal qof loo ogolaado isticmaalka kaarka. Sidaas darteed haddii aad rabto in aad kaarka labaad ee xaaska ama ilmaha, aad tahay out of nasiib isagoo aan qofkaas iibsan iPhone u gaar ah oo codsanaya credit card Apple iyaga u gaar ah.^(Apple)

Marka, si aan u soo koobno, jawaabta su'aasha ah in kaarka deynta Apple uu yahay heshiis wanaagsan iyo in kale, waxa kaliya ee aad tahay inaad isweydiiso waa inaad jeceshahay Apple , aad leedahay ama rabto iPhone, oo aad haysato fursado badan oo aad ku isticmaasho Apple . Bixi^{(Apple Pay)} . Haddii jawaabtaada su'aalahan ay tahay haa, markaa waa heshiis fantastik ah. Hadday jawaabtu tahay maya, markaas aad baad u wanaagsan tahay inaad u guurto wax kale.

An Apple Credit Card Review: Is It a Good Deal?

Apple hаs crеated a credit card. For people who mainly think of Apple as a computer (or phone) company, this might be a surprise. However, Apple isn’t so much a technology company as it is a brand that sells a particular viewpoint on how things should look, feel and work. So, in principle, an Apple credit card isn’t all that strange. Apple believes they’ve reinvented the traditional credit card but is it a good deal in real life?

We took a hard look at what the Apple credit card offers on paper and scoured sites like Reddit and social media to get a feel for the day-to-day troubles people have run into using this Titanium card. 

So if you’re tempted to get in on the shiny new (card-shaped) thing from Apple, read this first to make sure you know what you’re in for.

Apple Credit Card: What’s the Deal?

Why should anyone want to have an Apple credit card instead of a traditional card from established banking institutions? There are a few core value propositions the Apple credit card brings to the table that can be summarized as follow:

• Total integration and dependence on iPhone
• Integration with Apple Pay
• Clear and intuitive dashboard for payments and interest
• Very favorable interest rates (if you can get them)
• Cashback (with higher rates for Apple and partners)
• Interest-free terms on Apple devices

Apart from that, the physical card itself is a typical Apple piece of engineering. Minimalist and made from titanium, the card is unlikely to ever wear out. However, in this article, we don’t care about the physical card, but rather the deal as a whole. So let’s discuss these value propositions in more detail.

iPhone Integration (For Better or Worse)

One unique aspect of the Apple credit card is its reliance on the iPhone. If you don’t have an iPhone, you can’t get an Apple credit card.

The card itself is just an extension of a digital wallet system that exists on your phone. It has no credit card number on it and is virtually blank. The physical card essentially gives you a way to pay if Apple Pay is not available. This means getting 1% cash back instead of 2%. Sure, the titanium card is gorgeous and cool, but it’s not the point at all.

The Interest Advantage of the Apple Credit Card

Apple says that their card is different since it incentivizes you to pay less interest. This seems a little counterintuitive because credit card companies make money from the interest you pay on your borrowed credit.

Apple has gone out of its way to show you exactly when and how to pay to avoid interest on your outstanding balance. You also only pay for the portion of the balance you elect not to pay. This isn’t all that different from how most credit cards work. If you borrow money from a credit card over short periods and pay it back within a certain time frame you don’t accrue any interest.

The main difference here is Apple shows you the numbers that let you minimize interest payments, rather than keeping those hidden out of sight.

The Apple credit card is notable for more than just how transparent it makes interest calculations. Apple is also offering some of the lowest interest rates in the market for a cashback credit card. 

While your potential interest rates are pretty low overall, how close you get to the lowest possible interest rate will depend on your credit rating and the algorithm that Apple uses to determine card limits and interest rates.

Cashback Rewards

Speaking of cashback rewards, Apple has a rather unbalanced solution in place. If you buy Apple products or make Apple Pay purchases from partners, the cashback rewards are substantial. If you buy things outside of this partner network, there are cards out there that offer better returns on average. 

So whether the Apple credit card is a good deal strongly depends on whether you’re a frequent Apple customer, use Apple Pay regularly, or shop at retailers who are part of their partner network.

The Apple Gadget Advantage

If we’re being honest, one of the main reasons that Apple likely came up with their credit card is so that they can sell more Apple stuff to people. Since you need to own an iPhone to have the card, only people who are already in their ecosystem will qualify. 

Apple offers to sell you Apple products using their card at no interest at all. In other words, you’re getting your Apple gadgets at the cash price, but on a payment plan. Not all products are eligible and the maximum repayment period varies, with 24 months being the longest possible.

The Goldman Sachs Connection

While the card is boldly emblazoned with the iconic Apple logo, you’re probably not surprised to hear that Apple hasn’t become a completely independent financial institution. Their card is backed by Goldman Sachs. 

While there’s nothing wrong in principle with this move, anyone who is considering applying for their card should know who they are doing business with. There have been stories in the media raising privacy concerns and potential issues of discrimination by algorithms when it comes to determining interest rates. 

If you aren’t happy with how Goldman Sachs does business, then you won’t be happy to own an Apple credit card.

Who Is The Apple Credit Card Good For?

Let’s get the main issue out of the way first. If you aren’t already an iPhone user or someone who’s going to be sticking with the iPhone and the Apple ecosystem over the long term, the Apple card simply isn’t worth it. Sure, it has no annual fee, but in reality, the cheapest iPhone costs $400. So make of that what you will.

Since you’d have to first invest in an iPhone, which isn’t cheap, the rewards don’t justify it. If you’re looking for a way to get your Apple fix for the best prices, the card becomes much more attractive. The interest-free payment plans on Apple gadgets are an amazing offer. You also get a further 3% cashback on repayments towards the device.

The same goes for Apple Pay purchases. If you’re already using Apple Pay in your daily life, then the card offers great benefits. If no one in your usual selection of retailers offers it, there’s little reason to use the Apple card.

Another issue that might be a problem for many people is the fact that Apple does not allow for more than one person to be authorized to use the card. So if you wanted a second card for a spouse or child, you’re out of luck without that person buying their own iPhone and applying for their own Apple credit card.

So, to sum up, the answer to the question of whether the Apple credit card is a good deal or not, all you have to ask yourself is whether you love Apple, have or want an iPhone, and have plenty of opportunities to use Apple Pay. If your answer to these questions is yes, then it’s a fantastic deal. If the answer is no, then you’re much better off moving on to something else.

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