From the Editor’s Desk: Apple Card FOMO is real
- jul
- 21
- Posted by Michael
- Posted in Okategoriserade
Apple Card is probably not that far away from finally being available. It's not like a new iPhone, though. We shouldn't just run out and get one just because it's Apple's next big thing.
With all the rumors about Apple Card launching this week I'm getting excited about a new way to keep track of my credit card spending. When Apple first announced the Apple Card, I thought, "Huh. Not what I expected from Apple, and not something I really care about." But the more I hear about it, the more I want one (I have a bad case of Apple gadget FOMO). Getting a new credit card is a lot different than getting a new iPhone, though. It's a major responsibility that could either make or break a person's ability to finance something big later on in life.
For one, getting a credit card requires a hard inquiry which could negatively affect your credit score, at least temporarily. If you've got limited credit history, don't plan on trying to finance a car or mortgage for at least a few months after opening a new credit card.
We don't have any specific details about what credit score you need to be approved for an Apple Card, but rumor has it that Apple will approve credit cards to people with lower scores, they'll just start with a lower balance. This is exactly how I started my credit history. I was approved for a credit card with just a $1,000 limit and 22% interest rate (a pretty high rate), which I cultivated into a higher balance within a few years and was able to get approved for a different card with a much better interest rate.
This, I think, is what makes Apple Card something special. If Apple approves customers with low or no credit history, and provides helpful finance management tools, this could be the pathway many people need to have a better credit lifestyle.
Of course, we have to do the work to build and maintain a better credit lifestyle ourselves. We can't rely on those nicely-designed management tools to magically make us better at properly maintaining a good credit profile. My current credit score is 802, but I had to work to get there. Some people think that paying off a credit card entirely every month is best, but it's actually better to have about 10% of the card's balance remaining with payments made on-time regularly. This shows a tangible credit history, which is part of what's used to determine your score.
Applying for a new credit card through Apple is going to be a big deal, and should be considered deeply before you decide. Do you need another credit card? Are you just going to apply because it's Apple? If the latter, maybe you shouldn't. Do you already have a lot of debt? Is your monthly budget stretched? It might be smarter to pay off what you have than to open up a new line of credit that will make your monthly budget even tighter.
Whatever you decide to do when Apple Card does finally become available, don't think of this as another Apple gadget that you've gotta have. It's way too easy to apply (you'll be able to apply right inside the Wallet app using your Apple ID), so you shouldn't just jump on the Apple fan bandwagon this time around. Your credit score is counting on you.
Keep that FOMO under control!
Lory Gil
Senaste inläggen
- Apple’s AI announcements won’t be ”nearly as impressive” as OpenAI & Google’s, but there’s still big stuff coming at WWDC
- Apple could offer huge redesign with iPhone 17, so you may want to skip this year’s iPhone 16
- Despite its thinness, iPad Pro M4 may be easier than ever to repair
- Apple insider reveals where Vision Pro will launch next, and it’s good news for the UK & Canada
- Swift-fansen använde Icloud mest för att dela konserten
Senaste kommentarer
Arkiv
- maj 2024
- april 2024
- mars 2024
- februari 2024
- januari 2024
- december 2023
- november 2023
- oktober 2023
- september 2023
- augusti 2023
- juli 2023
- juni 2023
- maj 2023
- april 2023
- mars 2023
- februari 2023
- januari 2023
- december 2022
- november 2022
- oktober 2022
- september 2022
- augusti 2022
- juli 2022
- juni 2022
- maj 2022
- april 2022
- mars 2022
- februari 2022
- april 2021
- mars 2021
- januari 2021
- december 2020
- november 2020
- oktober 2020
- september 2020
- augusti 2020
- juli 2020
- juni 2020
- maj 2020
- april 2020
- mars 2020
- februari 2020
- januari 2020
- december 2019
- november 2019
- oktober 2019
- september 2019
- augusti 2019
- juli 2019
- juni 2019
- maj 2019
- april 2019
- mars 2019
- februari 2019
- januari 2019
- december 2018
- november 2018
- oktober 2018
- september 2018
- augusti 2018
- juli 2018
- juni 2018
- maj 2018
- april 2018
- mars 2018
- februari 2018
- januari 2018
- december 2017
- november 2017
- oktober 2017
- september 2017
- augusti 2017
- juli 2017
- juni 2017
- maj 2017
- april 2017
- mars 2017
- februari 2017
- januari 2017
- december 2016
- november 2016
- oktober 2016
- september 2016
- augusti 2016
- juli 2016
- juni 2016
- maj 2016
- april 2016
- mars 2016
- februari 2016
- januari 2016
- december 2015
- november 2015
- oktober 2015
- september 2015
- augusti 2015
- juli 2015
- juni 2015
- maj 2015
- april 2015
- mars 2015
- februari 2015
- januari 2015
- december 2014
- november 2014
- oktober 2014
- september 2014
- augusti 2014
- juli 2014
- juni 2014
- maj 2014
- april 2014
- mars 2014
- februari 2014
- januari 2014
Kategorier
- –> Publicera på PFA löp
- (PRODUCT) RED
- 2015
- 25PP
- 2nd gen
- 32gb
- 3D Touch
- 3D-kamera
- 4k
- 64gb
- 9to5mac
- A10
- A9X
- Aaron Sorkin
- Accessories
- adapter
- AirPlay
- AirPods
- Aktiv
- Aktivitetsarmband
- Aktuellt
- Alfred
- AMOLED
- Android Wear
- Angela Ahrendts
- Ångerätt
- announcements
- Ansiktsigenkänning
- app
- App Store
- Appar
- Apple
- Apple Beta Software Program
- Apple Book
- Apple CarPlay
- Apple Event
- Apple iMac
- Apple Mac Mini
- Apple Macbook
- Apple MacBook Air
- Apple MacBook Pro
- Apple Macos
- Apple Maps
- Apple Music
- Apple Music Festival
- Apple Music Radio
- Apple Offer
- Apple Online Store
- Apple Park
- Apple Pay
- Apple Pencil
- Apple Podcast
- Apple Store
- Apple Store 3.3
- Apple TV
- apple tv 4
- Apple TV 4K
- Apple Watch
- Apple Watch 2
- Apple Watch 8
- Apple Watch 9
- Apple Watch Apps
- Apple Watch SE
- Apple Watch Series 2
- Apple Watch Sport
- Apple Watch Ultra
- AppleCare
- AppleTV
- Application
- Applications
- Apps
- AppStore
- Apptillägg
- Apptips
- AppTV
- April
- Arbetsminne
- armband
- Art Apps
- Återköp
- återvinning
- Åtgärdsalternativ
- atvflash
- Audio Apps
- Augmented REality
- Back-to-school
- Bakgrundsbilder
- BankId
- Barn
- Batteri
- batteriskal
- batteritid
- Beats
- Beats 1
- Beats Solo 2 Wireless
- Beats Solo2
- Bebis
- Beginner Tips
- Belkin
- Bendgate
- beta
- Beta 3
- betaversion
- betaversioner
- bilddagboken.se
- bilder
- bilhållare
- billboard
- Bioteknik
- Blendtec
- Bloomberg
- Bloons TD 5
- Bluelounge
- Bluetooth
- Böj
- Booking.com
- Borderlinx
- bose
- bugg
- Buggar
- Buggfixar
- Butik
- C More
- Calc 2M
- Camera
- Campus 2
- Canal Digital
- Carpool Karaoke
- Caseual
- Catalyst
- CES 2015
- Chassit
- Chip
- Chrome Remote Desktop
- Chromecast
- citrix
- clic 360
- CNBC
- Connect
- Cydia
- Dagens app
- Dagens tips
- Damm
- Danny Boyle
- Data
- datamängd
- Datorer
- Datortillbehör
- Datum
- Defense
- Dekaler
- Designed by Apple in California
- Developer
- Development
- Digital Inn
- Digital Touch
- Digitalbox
- DigiTimes
- Direkt
- Discover
- display
- DisplayMate
- Dive
- Docka
- Dräger 3000
- Dropbox
- Droples
- DxOMark
- E-post
- earpod
- EarPods
- Earth Day
- Eddie Cue
- eddy cue
- Educational Apps
- Ekonomi
- Ekonomi/Bransch
- El Capitan
- Elements
- ElevationLab
- Elgato Eve
- Elgato Eve Energy
- EM 2016
- Emoji
- emojis
- emoticons
- Enligt
- EU
- event
- Eventrykten
- EverythingApplePro
- Faceshift
- facetime
- Fäste
- Featured
- Features
- Feng
- Film / Tv-serier
- Filmer
- Filstorlek
- Finance Apps
- Finder For AirPods
- Finland
- FireCore
- Fitbit
- Fitness Accessories
- Fjärrstyr
- Flurry
- Födelsedag
- fodral
- Förboka
- Force Touch
- förhandsboka
- Första intryck
- Forumtipset
- foto
- FoU (Forskning och Utveckling)
- Fource Touch
- Foxconn
- FPS Games
- Framtid
- Fre Power
- Frontpage
- Fullt
- Fuse Chicken
- Fyra
- Gadgets
- Gagatsvart
- Gamereactor
- Games
- Gaming
- Gaming Chairs
- Gästkrönika
- General
- Gigaset
- Gitarr
- Glas
- GM
- Google Maps
- Google Now
- gratis
- grattis
- Guide
- Guider
- Guider & listor
- Guld
- hack
- Halebop
- hållare
- Hälsa
- Hårdvara
- HBO
- HBO Nordic
- Health
- Health and Fitness
- Health and Fitness Apps
- Hej Siri
- Helvetica Neue
- Hemelektronik
- Hemknapp
- Hemlarm
- Hermes
- Hitta min iphone
- Hjärta
- högtalare
- HomeKit
- HomePod
- hörlurar
- htc
- Hue
- Humor
- i
- I Am A Witness
- IBM
- iBolt
- iBomber
- iBook
- icar
- iCloud
- iCloud Drive
- iCloud Voicemail
- iCloud.com
- iDevices
- IDG Play
- idownloadblog
- iFixit
- ikea
- iKörkort
- iLife
- Illusion Labs
- iMac
- IMAP
- iMessage
- iMessages
- iMore Show
- Incipio
- InFuse
- Inspelning
- Instagram-flöde
- Instrument
- Intel
- Internet/Webbtjänster
- iOS
- iOS 10
- iOS 12
- iOS 17
- iOS 18
- iOS 5
- iOS 7
- iOS 8
- iOS 8 beta
- iOS 8.1.3
- iOS 8.2
- iOS 8.3
- iOS 8.4
- iOS 8.4.1
- iOS 9
- iOS 9 beta 4
- iOS 9.1
- iOS 9.1 beta 2
- iOS 9.2
- iOS 9.2.1
- iOS 9.3
- IOS Games
- ios uppdatering
- ios9
- iPad
- iPad Accessories
- iPad Air
- iPad Air 2
- iPad Air 3
- iPad Air 5
- iPad Apps
- iPad Mini
- iPad mini 4
- iPad Mini 6
- iPad mini retina
- iPad Pro
- iPados
- iphone
- iPhone 12
- iPhone 14
- iPhone 14 Pro
- iPhone 15
- iPhone 16
- iPhone 17
- iPhone 5
- iPhone 5S
- iPhone 5se
- iPhone 6
- iphone 6 plus
- iPhone 6c
- iPhone 6s
- iPhone 6S plus
- iPhone 7
- iPhone 7 display
- iPhone 7 Plus
- iPhone 7s
- iPhone Accessories
- iPhone Apps
- iPhone SE
- iphone x
- iPhone XS
- iPhone XS Max
- iPhone7
- iPhoneGuiden
- iPhoneguiden.se
- iPhones
- iPod
- iPod Nano
- iPod shuffle
- ipod touch
- iSight
- iTunes
- iWatch
- iWork
- iWork för iCloud beta
- Jailbreak
- James Corden
- Jämförande test
- Jämförelse
- Jet Black
- Jet White
- Jönssonligan
- Jony Ive
- Juice Pack
- Juridik
- Just mobile
- kalender
- kalkylator
- Kamera
- Kameratest
- Karriär/Utbildning
- Kartor
- Kevin Hart
- keynote
- Keynote 2016
- KGI
- KGI Security
- Kina
- Klassiskt läderspänne
- Kod
- Kollage
- koncept
- konceptbilder
- köpguide
- krasch
- Krascha iPhone
- Krönika
- Kvartalsrapport
- Laddhållare
- laddningsdocka
- Laddunderlägg
- läderloop
- lagar
- Lagring
- Lajka
- Länder
- lansering
- laserfokus
- Layout
- leather loop
- LG
- Liam
- Lifeproof
- Lightnigport
- lightning
- Linux
- LinX
- live
- Live GIF
- Live Photos
- Live-event
- Livsstil
- Ljud & Bild
- Logitech
- LOL
- Lösenkod
- Lösenkodlås
- Lovande spel
- LTE
- Luxe Edition
- M3
- M3TV
- Mac
- Mac App Store
- Mac Apps
- Mac Mini
- Mac OS
- Mac OS X
- Mac OS X (generellt)
- Mac OS X Snow Leopard
- Mac Pro
- Macbook
- Macbook Air
- Macbook Pro
- Macforum
- Macintosh
- macOS
- Macs
- MacWorld
- Made for Apple Watch
- magi
- Magic
- MagSafe
- Martin Hajek
- matematik
- Meddelanden
- Media Markt
- Medieproduktion
- Mediocre
- Messaging Apps
- Messenger
- MetaWatch
- Mfi
- Michael Fassbender
- microsoft
- Mikrofon
- Minecraft
- Ming-Chi Kuo
- miniräknare
- minne
- Mixer
- Mixning
- Mjukvara
- mobbning
- Mobile Content
- Mobilt
- Mobilt/Handdator/Laptop
- Mobiltelefon
- Mockup
- Mophie
- mors dag
- moto 360
- Motor
- MTV VMA
- multitasking
- Music
- Music Apps
- Music, Movies and TV
- Musik
- Musikmemon
- MW Expo 2008
- native union
- Nätverk
- Navigation Apps
- nedgradera
- Netatmo Welcome
- Netflix
- Netgear Arlo
- News
- Niantic
- Nike
- Nikkei
- Nintendo
- Nöje
- Norge
- Notis
- Notiscenter
- nya färger
- Nyfödd
- Nyheter
- Officeprogram
- Okategoriserade
- OLED
- omdöme
- Omsättning
- OS X
- OS X El Capitan
- OS X Mavericks
- OS X Yosemite
- Outlook
- Övrig mjukvara
- Övrigt
- PanGu
- papper
- patent
- PC
- pebble
- Pebble Smartwatch
- Pebble Steel
- Pebble Time
- Pebble Time Steel
- Persondatorer
- Petter Hegevall
- PewDiePie
- Philips
- Philips Hue
- Phones
- Photoshop
- Planet of the apps
- Plex
- Pluggar
- Plus
- Plusbox
- Podcast
- Podcast Apps
- Pokemon
- Pokemon Go
- Policy
- Porträttläge
- PP
- Pris
- priser
- problem
- Problems
- Productivity Apps
- Program
- Prylar & tillbehör
- Publik
- publik beta
- QuickTime
- räkenskapsår
- räkna
- ram
- RAM-minne
- Rapport/Undersökning/Trend
- Rea
- Reading Apps
- recension
- Red
- reklaamfilm
- reklam
- reklamfilm
- reklamfilmer
- rekord
- Rendering
- reparation
- Reportage
- Reptest
- ResearchKit
- Retro
- Review
- Ring
- Ringa
- Rocket Cars
- Rosa
- Rumors
- Rumours
- RunKeeper
- rykte
- Rykten
- Safir
- Säkerhet
- Säkerhetsbrist
- Samhälle/Politik
- samsung
- Samtal
- San Francisco
- SAP
- security
- Series 2
- Servrar
- Shigeru Miyamoto
- Sia
- Siri
- SJ Min resa
- skal
- Skal iPhone 6
- skal iPhone 6s
- skärm
- SKärmdump
- Skärmglas
- Skribent
- skribenter medarbetare
- Skriva ut
- skruvmejsel
- skydd
- Skyddsfilm
- Skype
- slice intelligence
- Smart
- smart hem
- Smart Home
- Smart Keyboard
- Smart klocka
- Smart Lights
- smartphone
- Smartwatch
- Snabbt
- Snapchat
- Social Apps
- Software
- Solo2
- sommar
- Sonos
- Sony
- soundtouch
- Space Marshals
- spår
- Speakers
- Special Event
- Spel
- Spelkonsol
- Spellistor
- Split Screen
- Split View
- Sport
- Sportband
- Sports Apps
- spotify
- Spring forward
- Statistik
- Steve Jobs
- Stickers
- Stockholm
- Stor iPhone
- Storlek
- Story Mode
- Strategy Games
- streama
- Streaming
- stresstest
- Ström
- Studentrabatt
- stylus
- Super Mario Run
- support
- Surf
- Surfplatta
- svenska
- sverige
- Sverigelansering
- Switch
- Systemstatus
- Systemutveckling
- tåg
- Taig
- Tangentbord
- Taptic Engine
- Tårta
- tät
- Tävling
- Taylor Swift
- Teknik
- tele 2
- Telefoner
- Telekom
- Telia
- Test
- Tid
- TikTok
- Tile
- tillbehör
- Tim Cook
- TIME
- TimeStand
- Tiny Umbrella
- Tips
- Toppnyhet IDG.se
- Touch ID
- TouchID
- tower defence
- trådlös laddning
- Trådlösa hörlurar
- trådlöst
- trailer
- Travel Apps
- Tre
- TrendForce
- TripAdvisor
- Trolleri
- trump
- TSMC
- Tum
- tv
- tvätta
- tvOS
- tvOS 9.2
- tvOS beta 2
- Tweak
- Typsnitt
- Ubytesprogram
- UE MegaBoom
- Unboxing
- Underhållning/Spel
- unidays
- United Daily News
- Unix
- Updates
- Uppdatera
- uppdatering
- Upplösning
- upptäckt
- USA
- Ut på Twitter
- utbyte
- utbytesprogram
- Utilities Apps
- Utlottning
- utrymme
- utvecklare
- varumärke
- Vatten
- Vattentålig
- vattentät
- vävt nylon
- Verktyg
- Viaplay
- Vibrator
- video
- Videoartiklar och webb-tv (M3/TW/CS)
- Villkor
- viloknapp
- Virtual Reality
- Virus
- visa
- Vision Pro
- VLC
- Volvo on call
- W1
- Waitrose
- Watch OS
- WatchOS
- WatchOS 2
- watchOS 2.0.1
- watchOS 2.2
- Webbtv (AppTV)
- wi-fi
- Wifi-samtal
- Windows
- Windows 8
- WWDC
- WWDC2015
- yalu
- Youtube
- Zlatan