Author Topic: Chip on Apple credit card fails  (Read 6756 times)

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Offline tkamiyaTopic starter

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Chip on Apple credit card fails
« on: December 11, 2021, 05:00:55 pm »
I have several credit cards.  Failures on mag stripes and chips are very very rare.  In fact, I only recall having 1 or 2 failures in past decades.

When it comes to APPLE CARD though, my first one wasn't working right after arrival.  Second one failed in a months or so.  Third one was bad right out of packaging, and forth one just failed after few months of use.

Does anyone else experience this?  Apparently, the card material is some kind of titanium.  I put my card in Lether wallet, but so as all other cards.  I've never seen this bad of failure rates.
 

Offline Bud

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Re: Chip on Apple credit card fails
« Reply #1 on: December 11, 2021, 05:13:16 pm »
Both mag and chip failed?

Edit: Sorry I can see the topic says Chip.
« Last Edit: December 11, 2021, 05:32:34 pm by Bud »
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Offline bdunham7

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Re: Chip on Apple credit card fails
« Reply #2 on: December 11, 2021, 05:22:32 pm »
You aren't using it correctly.  :)
A 3.5 digit 4.5 digit 5 digit 5.5 digit 6.5 digit 7.5 digit DMM is good enough for most people.
 
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Offline Bud

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Re: Chip on Apple credit card fails
« Reply #3 on: December 11, 2021, 05:34:56 pm »
Not "not using correctly" but "not holding correctly"   >:D
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Offline tkamiyaTopic starter

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Re: Chip on Apple credit card fails
« Reply #4 on: December 11, 2021, 06:06:30 pm »
Mag stripe works.  Just the "chip" part that fails.

I've tested it at multiple shops using different readers.  Once the chip fails, it doesn't work at any store.  (at least I check it at 3 stores before asking for a replacement)

OK, tell me about how to hold correctly, and the proper secret handshake with the casher. 
 

Offline bdunham7

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Re: Chip on Apple credit card fails
« Reply #5 on: December 11, 2021, 06:32:57 pm »
OK, tell me about how to hold correctly, and the proper secret handshake with the casher.

The same way you correctly hold any Apple product:

1.  Hold it firmly over a trash can
2.  Release your grip
3.  Walk away
A 3.5 digit 4.5 digit 5 digit 5.5 digit 6.5 digit 7.5 digit DMM is good enough for most people.
 
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Offline tkamiyaTopic starter

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Re: Chip on Apple credit card fails
« Reply #6 on: December 11, 2021, 06:34:27 pm »
1.  Ha
2.  Haha
3.  Hahaha
.
.
.
 

Online magic

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Re: Chip on Apple credit card fails
« Reply #7 on: December 11, 2021, 06:44:13 pm »
Well, there is an alternative way of using Apple products:
don't be poor and fork out $$ for a protective case >:D
 

Offline GLouie

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Re: Chip on Apple credit card fails
« Reply #8 on: December 11, 2021, 08:31:33 pm »
I don't know anything specifically about the Apple card, but I just removed a chip from an expired card and there's not much to go wrong - just the chip, die bonds to the contacts, and an epoxy blob. It looks to me like a woven (carbon fiber?) glue frame. Maybe a bad batch in manufacturing, unless there is something specific to Apple Card.

I have wondered if thieves might try to ruin chip readers so you have to run the mag stripe.

 
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Offline eti

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Re: Chip on Apple credit card fails
« Reply #9 on: December 11, 2021, 08:33:20 pm »
Get Louis Rossmann to reball it  :P ;D
 
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Online wraper

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Re: Chip on Apple credit card fails
« Reply #10 on: December 11, 2021, 08:48:53 pm »
IMHO case being metal increases the chance of ESD damage as there is a current path for a spark to jump from IC. As you insert it into PoS terminal, you hold its metal enclosure while IC is connected to a device with different electric potential.
 
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Offline amyk

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Re: Chip on Apple credit card fails
« Reply #11 on: December 11, 2021, 10:39:06 pm »
If you have a smartcard reader you might be able to see if it responds at all.
 

Offline IanB

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Re: Chip on Apple credit card fails
« Reply #12 on: December 11, 2021, 10:43:28 pm »
I have occasionally had a chip read failure on one of my cards (not Apple). The suggestion was to clean it a bit with a soft cloth to remove grease and fingerprints. That seemed to fix the issue for me.
 

Offline Bud

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Re: Chip on Apple credit card fails
« Reply #13 on: December 14, 2021, 10:38:05 pm »
Mag stripe works.  Just the "chip" part that fails.

I've tested it at multiple shops using different readers.  Once the chip fails, it doesn't work at any store.  (at least I check it at 3 stores before asking for a replacement)

OK, tell me about how to hold correctly, and the proper secret handshake with the casher.

I can think of encryption keys misconfiguration on card issuance side, chip bonding failures and merchants's terminals having issues with payment processing network, whatever payment processor company Apple is using for card transactions. Either one would cause multiple reports from customers. How widespread the issue is?
« Last Edit: December 14, 2021, 10:41:04 pm by Bud »
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Offline tkamiyaTopic starter

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Re: Chip on Apple credit card fails
« Reply #14 on: December 14, 2021, 10:42:32 pm »
The card itself is issued by Goldman Sachs.  I have no idea who actually manufactured and individualized cards data.  I'm guessing a bad batch.  5 times is just too much failure rate.  Before this, I just had one failure on ordinary VISA card.
 

Offline tooki

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Re: Chip on Apple credit card fails
« Reply #15 on: December 15, 2021, 12:39:47 am »
The chances of that many chips failing randomly is practically zero. So two theories: 1. Something is causing damage to your cards, or 2. the chips aren’t actually damaged.

Just to rule out absolutely everything: you do have the physical card enabled, right? It can be turned on and off at Will from your iPhone.
 
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Offline tkamiyaTopic starter

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Re: Chip on Apple credit card fails
« Reply #16 on: December 15, 2021, 12:43:44 am »
1)  I have 4 different card in my wallet.  Only Apple card failed and did so multiple times.
2)  Once it fails at a store, I test it at another store.  It failed both times.
3)  Of course the card is enabled. 

Theory is great.  Reality is different.
« Last Edit: December 15, 2021, 12:46:54 am by tkamiya »
 

Offline Halcyon

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Re: Chip on Apple credit card fails
« Reply #17 on: December 15, 2021, 03:45:42 am »
I have 4 different card in my wallet.  Only Apple card failed and did so multiple times.

Another example of "quality" modern Apple design and manufacturing perhaps?

 :popcorn:
 

Offline tooki

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Re: Chip on Apple credit card fails
« Reply #18 on: December 15, 2021, 07:44:49 am »
1)  I have 4 different card in my wallet.  Only Apple card failed and did so multiple times.
2)  Once it fails at a store, I test it at another store.  It failed both times.
3)  Of course the card is enabled. 

Theory is great.  Reality is different.
Ok, man, breathe, it wasn’t an attack.

The fact that the Apple Card is the only one to fail doesn’t rule out either of my theories.

Maybe the Apple cards are more susceptible to something, such that something you — or the terminal in a shop you frequent — causes it to fail.

Or maybe there’s something in the terminals at the shops you’ve tested at, such that by random chance it’s failing at those, while still would have worked elsewhere.

Or maybe the chips are fine and there’s some configuration error somewhere causing them to be rejected.

What we can rule out with certainty is there being any kind of widespread issues with the cards. They’ve issued millions of them, so if there were some common problem, we’d know about it.

You say “of course” about the card being activated, but a lot of people don’t even realize the option exists.
 

Offline eti

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Re: Chip on Apple credit card fails
« Reply #19 on: December 15, 2021, 08:15:18 am »
Just snap it in half, stamp on it and toss it in the bin. Ridiculously over-rated nonsense. We managed perfectly well in life before Apple came along. Yeah they make some nice things, of which I’ve owned many, but they’re VASTLY hyped and over adored. The world needs a smack back down to earth and wake up from the delusion of Apple EVERYTHING.

Non experts & “unboxers” speak of Apple products in terms they’re unqualified in - they say how amazing the build quality is - half of them have only a few years of experience doing YouTube videos, and they base this opinion relative to other CONSUMER goods. They don’t know the other 98% of electronic machines, inside which they’ve never seen - it would put Apple to shame.

I’ll give Apple this though - at least they aren’t Samsung; now THEY are scraping the very bottom of the barrel.
« Last Edit: December 15, 2021, 08:16:56 am by eti »
 

Offline tooki

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Re: Chip on Apple credit card fails
« Reply #20 on: December 15, 2021, 10:10:09 am »
Just snap it in half, stamp on it and toss it in the bin. Ridiculously over-rated nonsense. We managed perfectly well in life before Apple came along. Yeah they make some nice things, of which I’ve owned many, but they’re VASTLY hyped and over adored. The world needs a smack back down to earth and wake up from the delusion of Apple EVERYTHING.

Non experts & “unboxers” speak of Apple products in terms they’re unqualified in - they say how amazing the build quality is - half of them have only a few years of experience doing YouTube videos, and they base this opinion relative to other CONSUMER goods. They don’t know the other 98% of electronic machines, inside which they’ve never seen - it would put Apple to shame.

I’ll give Apple this though - at least they aren’t Samsung; now THEY are scraping the very bottom of the barrel.
What a load of biased, dishonest crap your entire comment is. One can argue many things about Apple, but the quality of the electronics is top-notch.

As for doing fine without Apple: without Apple, we wouldn’t have computers as we know them. (Apple, and no one else, established the basic user interface conventions used by all modern GUIs, both mouse- or touch-driven. Xerox may have sold the first GUI computer, but its behavior is totally unlike modern GUIs.) Regardless of whether you love or hate the company, Apple did establish all of the fundamental concepts — overlapping windows, the mechanics of how we use the mouse, how menus work, etc. Without Apple, somebody else would have designed a GUI, but it’d be different from what we have today.

As for snapping the card in half: good luck with that!  :-DD (It’s made of solid titanium. The other titanium card, the Amex Centurion, has been around for years, and since a typical consumer can’t destroy them, you can mail them back to Amex for destruction. The Apple Card has absolutely no account information printed on it except the cardholder name — no card number, expiration, CVC, etc — and it can be enabled/disabled/canceled on the fly by app, so there’s less need for actual physical destruction.)
 

Offline cliffyk

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Re: Chip on Apple credit card fails
« Reply #21 on: December 15, 2021, 01:25:27 pm »
OK, tell me about how to hold correctly, and the proper secret handshake with the casher.

The same way you correctly hold any Apple product:

1.  Hold it firmly over a trash can
2.  Release your grip
3.  Walk away

Way back when the Macintosh was first introduced a PC Magazine reviewer noted that "for the first week you'll be amazed by what it can do--after that you'll be amazed by what it can't do."
-cliff knight-

paladinmicro.com
 

Offline eti

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Re: Chip on Apple credit card fails
« Reply #22 on: December 15, 2021, 05:38:00 pm »
Just snap it in half, stamp on it and toss it in the bin. Ridiculously over-rated nonsense. We managed perfectly well in life before Apple came along. Yeah they make some nice things, of which I’ve owned many, but they’re VASTLY hyped and over adored. The world needs a smack back down to earth and wake up from the delusion of Apple EVERYTHING.

Non experts & “unboxers” speak of Apple products in terms they’re unqualified in - they say how amazing the build quality is - half of them have only a few years of experience doing YouTube videos, and they base this opinion relative to other CONSUMER goods. They don’t know the other 98% of electronic machines, inside which they’ve never seen - it would put Apple to shame.

I’ll give Apple this though - at least they aren’t Samsung; now THEY are scraping the very bottom of the barrel.
What a load of biased, dishonest crap your entire comment is. One can argue many things about Apple, but the quality of the electronics is top-notch.

As for doing fine without Apple: without Apple, we wouldn’t have computers as we know them. (Apple, and no one else, established the basic user interface conventions used by all modern GUIs, both mouse- or touch-driven. Xerox may have sold the first GUI computer, but its behavior is totally unlike modern GUIs.) Regardless of whether you love or hate the company, Apple did establish all of the fundamental concepts — overlapping windows, the mechanics of how we use the mouse, how menus work, etc. Without Apple, somebody else would have designed a GUI, but it’d be different from what we have today.

As for snapping the card in half: good luck with that!  :-DD (It’s made of solid titanium. The other titanium card, the Amex Centurion, has been around for years, and since a typical consumer can’t destroy them, you can mail them back to Amex for destruction. The Apple Card has absolutely no account information printed on it except the cardholder name — no card number, expiration, CVC, etc — and it can be enabled/disabled/canceled on the fly by app, so there’s less need for actual physical destruction.)

You don’t need to do the whole “Let me educate you on the history of Apple” schtick, - it’s tired and done to death, and we all know it.

I’ve done vast amounts of reading and watching videos about Apple for 14 years, and have worked in the Apple business, have listened to “MacBreak Weekly” religiously for years too. I understand you admire them, and so do I. It was me posting when I’m tired and that never works out well.

Anyone with eyes, ears and a keyboard can soon research Apple. I’ve also done a lot of research about, and have huge admiration for Jony Ive, and have read his autobiography, which is superb reading.

Thanks for the lesson. 😁
 

Offline cliffyk

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Re: Chip on Apple credit card fails
« Reply #23 on: December 15, 2021, 07:37:12 pm »
Before encountering this thread I did not know there was such a thing as an Apple Credit Card, and honestly do not feel my life has been any the worse because of it. My nicely made plastic CC was issued by my Credit Union (the same place that manages my retirement accounts) and works anywhere I have tried to use it. It is not a status symbol, just a tool, to me--so as long as it can survive in my wallet and do its job of substituting for cash as needed  it could be made of balsa wood  and I would not care.

It has been compromised a couple times and promptly replaced by the Credit union (it takes < 5 minutes). THE last problem was tracked back to a Dominoes Pizza cashier of whom the manager said "Oh, her, she does not work here any more..."

As to Apple product' s quality; i personally do feel qualified to comment as I have never owned an Apple product, have never felt any overwhelming need to own one nor emptiness for never having one.

They do seem to have a very dedicated cult-like following and i learned long ago to not get into substantive discussions with the truly faithful--all it does is piss them off and aggravate you.
-cliff knight-

paladinmicro.com
 
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Offline eti

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Re: Chip on Apple credit card fails
« Reply #24 on: December 15, 2021, 08:10:17 pm »
Before encountering this thread I did not know there was such a thing as an Apple Credit Card, and honestly do not feel my life has been any the worse because of it. My nicely made plastic CC was issued by my Credit Union (the same place that manages my retirement accounts) and works anywhere I have tried to use it. It is not a status symbol, just a tool, to me--so as long as it can survive in my wallet and do its job of substituting for cash as needed  it could be made of balsa wood  and I would not care.

It has been compromised a couple times and promptly replaced by the Credit union (it takes < 5 minutes). THE last problem was tracked back to a Dominoes Pizza cashier of whom the manager said "Oh, her, she does not work here any more..."

As to Apple product' s quality; i personally do feel qualified to comment as I have never owned an Apple product, have never felt any overwhelming need to own one nor emptiness for never having one.

They do seem to have a very dedicated cult-like following and i learned long ago to not get into substantive discussions with the truly faithful--all it does is piss them off and aggravate you.

I used to be one of those fervent, "Apple can do no wrong" types, and I see clearly now how much it must've aggravated my friends. They make great things, but as you seem to imply - so what? So have MANY companies.
 


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