The card has a wide annual percentage rate (APR) range of 13.34 to 24.24 percent. In other ways, the Apple Card is like a traditional credit card once approved, owners will have to navigate the fine print. Apple also gathers user data to make financial recommendations and provide users with information about their economic habits. It’s not difficult to imagine someone applying for an Apple Card in a few taps, being denied, and then dealing with a hard credit check that dings their score.
The ease with which iPhone users can acquire a new line of credit is concerning.
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Users can sign up for an Apple Card directly on their iPhones and start using the digital option immediately upon approval. As with other financial apps, the convenience factor has its pros and cons.
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