If you're a current iPhone owner then you're probably well aware of the benefits of the Apple Card or 'obile cash'. This is essentially a credit card offered by Apple, which gives you the ability to make purchases over the internet using your iPhone. Now whether or not this is something you've considered before is irrelevant because the truth is that it's a fantastic tool to have. The only trouble is that most people don't know how to use it correctly, or in some cases they don't even know it exists. In this article we'll look at why you should consider making use of an Apple Card, as well as why you shouldn't!
One of the best things about this particular credit card is that it offers you the ability to purchase items online in the comfort of your own home. You don't need to visit a brick and mortar retail store, or to pay for gas as they do have their own terminal installed at the retailer which allows you to pay with your phone. Instead all you need to do is pay via the Apple Website. You'll then receive a statement showing you your purchases, the interest rate you're paying and a statement to tell you when your next payment is coming via text message or email. The beauty of this is that you can use this amount towards any item you like, whether it's food clothing, toys, leisure goods or everything in between.
But it isn't just that the amount you can charge on your purchases that makes this such an exceptional offer; it's also because this is one of the only cards on the market that enables you to use monthly installments instead of making purchases with a credit card balance. Now there are two reasons for this; the first is that if you use monthly installments then you won't be charged interest. And the second is that this offers you a great degree of flexibility.
You'll never have to worry about your balance again! This is a big advantage because the reason you wanted to start using your card was to build up a credit history and to become a more responsible borrower. By now you should know that credit approval is one of those things that is best left to experts! By now you're probably wondering how on earth you'll manage to get this sort of approval for something as simple as a phone plan.
Well, it's really quite easy. When you apply for your card, they'll ask you a few basic questions about why you want one and how much you're planning to use it. Don't make any assumptions or don't embellish the answers – they'll check them! Then you'll simply have to fill in a small application form and send it in. At that point they'll usually look over your data and call you back to make any final decisions.
Once they've decided you're a good risk for credit you'll usually get an approval in a very short space of time. In fact, it can often be in less than twenty-four hours. Then all you need to do is make sure you make your payments on time to avoid damaging your credit rating further.
You can also use your apple card abroad. This means you can use it anywhere in the world where MasterCard is accepted. This includes lots of European countries, Canada, South America and many other places. By using the visa cards you can also enjoy discounts when shopping in these shops. So not only can you use your apple card abroad, but you can enjoy European style shops all at the touch of a button!
As you can see, the benefits of owning your own credit card are enormous. Just make sure that whatever you choose to charge on it is within your budget. There are so many offers out there to choose from. There are rewards cards with low interest rates and even cash back schemes. Plus there are special deals to get you into a particular category or deal. But if you make sure you pay off your balance as soon as possible then you'll never have to worry about overspending, which can ruin your credit rating.
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