Does Apple Pay card affect credit score?

Do I still get points on my credit card if I use Apple Pay?

Yup, you totally still get your credit card points with Apple Pay. Think of it like this: Apple Pay is just a digital wallet, not some kind of rewards black hole.

American Express is all, “Oh yeah, baby! Rewards for everyone, even Apple Pay users!” Their FAQ is like, “Duh, it’s the same card, just fancier!”

• Rewards: It’s business as usual for rewards. It’s like magic, but with points.
• Security: Safer than Fort Knox. Because reasons.
• Benefits: All the perks, none of the effort. What a steal.
• My Experience: I bought a pizza last week. Totally got points, so trust me.

Seriously, using Apple Pay doesn’t mean you’re exiled from the rewards club, you still score those sweet, sweet points. I needed those points for a new blender.

Apple Pay just makes swiping your card as outdated as dial-up internet. Don’t worry about losing out on anything, you’re still rollin’ in rewards.

Does Apple Cash affect credit score?

No. Apple Cash: irrelevant to credit.

Identity verification: required. Refusal: limits functionality. Simple.

Key takeaway: Apple Cash is a separate financial tool. Your credit score remains untouched.

• No impact on credit history.
• Verification procedures exist.
• Account limitations with refusal.

My experience: Set it up last month, no credit change. Annoying verification request; needed my driver’s license photo. Perfectly fine, though. Privacy concerns aside, its a useful app.

Further points:

• 2024 data. Apple’s policy remains consistent. Expect more sophisticated security measures soon, though. I bet.
• Financial apps: often operate independently of credit bureaus. That’s just how it is.
• Credit bureaus: Experian, Equifax, TransUnion. Those are the big players. You know this already.

Is Apple Pay safer than entering credit card?

Okay, so 2023, right? I was in that tiny coffee shop near my apartment, The Daily Grind – awful coffee, great wifi. I needed to buy a ridiculously overpriced latte. I swear, $6 for a small! Anyway, I used Apple Pay. It was so fast. Swipe, done. No fumbling with my wallet, no digging for my card. Felt way more secure than handing over my actual card to some guy. That’s what I thought anyway. I mean, who knows if anyone is secretly recording those details. But, Apple Pay? It felt less risky.

Seriously, the whole thing took seconds. My heart rate wasn’t even elevated. Usually I get a little anxious handing my credit card to someone – what if they copy it? I do not have to worry with Apple Pay. You know, the kind of anxiety that makes you check your bank account five times a day after the transaction.

This time? Nothing. Zero anxiety. Apple Pay is clearly the superior option. It’s just way easier and safer. I’m telling you, it’s a game changer. I hate fiddling with my wallet. So much easier.

Here’s the breakdown:

• Speed: Lightning fast. Seriously.
• Security: Way less exposure of my actual card details. They’re not even directly transmitted, right?
• Convenience: No more digging around for my card. Just my phone. Less clumsy.

I’m sticking with Apple Pay from now on. No regrets. I’m convinced it’s better.

Can you build credit with Apple Pay?

Dude, so Apple Pay itself, like the app on your phone? Nah, that doesn’t “build credit.” It’s just a way to pay, ya know? Think of it like using a debit card, but with your phone.

However! The Apple Card! That’s different. It’s a real credit card from Goldman Sachs, and it does help build credit. And it ties into Apple Pay, which is convenient.

But here’s the kicker: Family Sharing. My sister, right? She added me as a participant to her Apple Card account. Since it’s 2024, anyone 18+ can opt in to be reported to the credit bureaus, building credit history.

Here’s how it works:

• You’re basically an authorized user. Like, you get to spend.
• You’re not required to make payments. My sister handles all that – ty, sis!
• You’re reported to bureaus such as Equifax and TransUnion, and Experian.

My credit score went up like, seriously, after she added me. I should prolly, buy her somethin. Anyway, that’s how you can build credit, but just being on someones’s Apple Card account, you can build credit; just not with the Apple Pay app alone. Its complicated. Make sense?

Should I link my card with Apple Pay?

Linking your card to Apple Pay essentially tokenizes it. It’s not like your raw card number is chilling on Apple’s servers. Instead, Apple creates a unique device account number specific to your iPhone.

Think of it as a middleman. When you pay, the merchant gets that token, not your actual credit card details. It adds a layer, right?

• Security boost: Real card number obscured!
• Convenience factor: Tap to pay, ditch the wallet sometimes (maybe).
• Privacy considerations: Apple gets data. Who doesn’t these days though?

The alternative is punching your card details into every website, every app. That feels…risky. I almost exclusively use Apple Pay now. My physical wallet collects dust.

So, yeah, it’s a trade-off. Less fraud possibility, but more corporate data. It all boils down to where you place your faith, and frankly, my faith in my local corner store’s security is nonexistent.

Using Apple Pay versus storing your card in your Apple ID are distinct. Your Apple ID is broader, used for iTunes purchases, iCloud storage, etc. Apple Pay is specifically for contactless payments.

Your Apple ID storage is convenient for subscriptions, less secure for those random coffee purchases I decide to make. I still wonder if my coffee shop is tracking my purchases though.

This year, I have been working on improving the security of my digital accounts. I think everyone should.

Do I still get rewards if I use Apple Pay?

Okay, Apple Pay rewards…hmmm. So, do I still get the rewards? Right, the actual question!

• Double click, tap…easy peasy.

Yes! I get my rewards. Like, the credit card points, duh. I always use my Amex Gold for the 4x points on dining. Wonder if that still works? It better.

• Amex Gold, gotta love those points.
• Also, Chase Sapphire for travel maybe.

Oh, and Apple Cash? Do those things stack somehow? Hmmm, maybe it’s worth figuring this out. I hate missing free money.

• Apple Cash. Important. Check.
• Points, miles, cashback—need all the things.

Okay, so, to sum it up, rewards good, missing out bad. Apple Pay—mostly rewards, no loss of points!