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"FU^%ING" Credit-Cards!!!
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tooki:
Just some info that may be helpful for current or prospective iPhone users:

- According to the conversation I had with the director of security of a state credit union (a type of bank in USA), Apple Pay (which is NFC) is far more secure than the actual cards it is a proxy for, better than the encryption in the chips on the card (both electrical and NFC), never mind the magstripe. It requires biometric authentication for each transaction.

Depending on the credit card issuer, when a card is configured for Apple Pay, you will get notifications for every transaction on the card, even transactions not performed with Apple Pay. (My American AmEx is like that. My Swiss MasterCard only gets notifications for its own Apple Pay transactions.)

- If you live in USA, the Apple Card credit card (aside from having pretty good conditions and a superb user interface) lets you order a physical card*, which is locked by default, and can be unlocked and locked at any time via the iPhone. (The physical card has no expiration date, and has no card number or CVV printed on it, either. And you can replace it, for free, any time you want, if it's been compromised, lost, or stolen.) Apple Card also maintains a separate set of info (card number, expiration, CVV) for use online, which can be changed at any time on the phone app.

*The card, by the way, is beautifully made out of titanium. Of course, like AmEx's Centurion card, too, this means you can't easily destroy it when you need to cut up a card! So you can mail it back to Apple for recycling.


(I don't know anything about Samsung Pay other than that it exists, so don't take this as any kind of comparison or dissing of it. Just passing on what I know about Apple's offering.)
bd139:
Yep. I think I use Apple Pay for everything now. I actually forgot my PIN number the other day when I went to use my debit card for a car parking machine that the NFC had been vandalised on  :-DD
TimFox:
Again, from a US perspective:  In the US it is much easier to rent a car or check into a hotel with a credit card than with a debit card. 
Now retired without salary income, we still have an excellent credit history, although we have never carried a balance on our credit cards, with only (now paid) house mortgage and car loans on our history, and we have never had a debit card.  Our ATM cards on our normal bank are separate from our credit cards.  We have had occasional fraudulent charges over the last 40 years, but the credit card companies (Visa and Amex) have been very efficient at flagging, stopping, and refunding them.  The frustrating thing is that, by policy, they never tell us what happened to the perpetrators.
I don't believe the credit bureaus' propaganda about how they rate accounts:  the month after we paid off our last car loan (on original schedule), our high credit score actually went down (still high).  The car loan was our only outstanding balance.
In the US, I would not recommend a debit card to anyone who can obtain a credit card.
tooki:
Why does it surprise you that your score went down after paying off your loan? That’s exactly what the formula would predict.

With my Amex, I can see my credit score at any time (it’s in the upper half of the “very good” bracket), and it tells me the reason my score isn’t higher is because of having too few accounts. (I don’t have any delinquent or late accounts and never have.) Here’s the screenshot of the info:
TimFox:
Yes, the actual agreement states that.  However, in propaganda about credit scores, I have seen statements (obviously not true) that paying off a debt does not decrease ones score. 
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