Apple Card: Momwe imagwirira ntchito komanso momwe mungapindulire nayo

Apple Card Ndi imodzi mwazinthu zodziwika bwino za Apple, makamaka mdziko lathu. Koma posachedwa izi zisiya kukhala choncho chifukwa zipezeka posachedwa ku Spain Apple kirediti kadi. Mu positi iyi tisanthula zonse zanu mbali ndi ubwino.

Panopa, khadili lili ndi eni makhadi pafupifupi 7 miliyoni, onse ochokera ku United States. Ndi khadi lopangidwa kuti ligwiritsidwe ntchito ndi Apple Pay pazida za Apple (iPhone, iPad, Apple Watch kapena Mac).

Kodi Apple Card ndi chiyani?

Pali nthawi zambiri zomwe Apple yatidabwitsa poyambitsa kufufuza madera atsopano abizinesi. Mu 2019, kampaniyo idakhazikitsa njira zosiyanasiyana komanso zodabwitsa monga apulo TV. Chimodzi mwa izo chinali kupanga kirediti kadi kupezeka kwa ogwiritsa ntchito msika wake waku US, zomwe zidakhala zenizeni chifukwa cha mgwirizano ndi Goldman Sachs.

Ikaperekedwa m’kalembedwe pa chochitika mu March chaka chomwecho, khadilo linalandiridwa bwino kwambiri ndi anthu. Ndi za khadi yokhala ndi mawonekedwe akuthupi * koma yokhala ndi mawonekedwe a digito.

Pulogalamu ya Apple Card idapangidwa kuti ogwiritsa ntchito apewe ngongole ndikulipira chiwongola dzanja chochepa. Izi ndizoyamikirika kwambiri, ngakhale kuti kuchokera pakuwona phindu silinakhale bizinesi yabwino kwa gulu la banki kumbuyo kwake.

(*) Khadi lenilenilo ndi lofanana ndi khadi lina lililonse la ngongole kapena debit. Zomwe zimapangidwira ndi titaniyamu, zomwe zimapangitsa kuti zikhale zolimba kwambiri komanso kukana kwambiri kuwonongeka kapena kukwapula.

Zimagwira bwanji ntchito?

Ngakhale imagwira ntchito mozama ngati khadi wamba, chowonadi ndichakuti Apple Card Ili ndi mndandanda wazinthu zomwe zimasiyanitsa ndi zina. Timalongosola mwatsatanetsatane pansipa:

Lowani ku Apple Card

Pakadali pano, ndizotheka kupanga khadi iyi ngati ndinu wokhala ku United States. "Zidule" ngati gwiritsani VPN, popeza padzakhala kofunikira kutsimikizira vutoli ndi zolemba zenizeni. Komabe, tikufotokozerani za kulemba ntchito, chifukwa mwina sizingakhale zosiyana kwambiri pamene kuthekera kutsegulidwanso kwa nzika za mayiko ena:

Kuti tiyambe, timatenga chipangizo chathu (mwachitsanzo, iPhone) ndikutsegula Zikhazikiko menyu.

1. Pamenepo tidzatero Chikwama.
2. Kenako alemba pa njira "Add Card".
3. Timasankha "Pemphani Apple Car".
4. Kenako ife kulowa deta amatifunsa ife ndi timapempha.

Zina mwazosankha zomwe tiyenera kuzikonza pomaliza ndi izi:

• Apple Card ngati khadi yokhazikika ya apulo kobiri.
• Apple Card Yakuthupi kulipira popanda Apple Pay.

Ngati tisankha njira yofunsira khadi, idzatumizidwa ku adilesi yathu mkati mwa nthawi yayitali ya sabata imodzi.

Mtengo ndi zikhalidwe

Chimodzi mwazabwino kwambiri za khadi iyi ya Apple ndikuti sichimawononga ndalama zilizonse kwa wogwiritsa ntchito. Palibe ndalama zolipirira, komanso ma komisheni amalipidwa pogwira ntchito, chinthu chomwe nthawi zambiri chimakhala chofala m'makhadi ena. Simuyeneranso kulipira kalikonse kuti mulembetse, kapena kupempha khadi yakuthupi.

Kwenikweni chiwongola dzanja chikugwiritsidwa ntchito pogula zinthu ndi ngongole, chiwerengerocho chimakhazikitsidwa kutengera vuto lililonse. Kutenga ziwerengero za khadi ku United States ngati chiwongolero (osati chowonjezera kumayiko ena onse), chiwerengerocho chimakhala pakati pa 13% ndi 24% APR. Iwo alidi zokonda zapamwamba.

Momwe mungaphatikizire khadi mu iPhone

Ngakhale pali mwayi wokhala ndi khadi lakuthupi, ogwiritsa ntchito ambiri amakonda kuphatikizira mu iPhone yawo ndikuigwiritsa ntchito bwino kuchokera pafoni yawo yam'manja. Kwenikweni, izi ndi njira yopezera zambiri kuchokera ku Apple Card.

Njira yowonjezerera Apple Card ku Apple Pay ndiyosavuta. Mukungoyenera kutsatira malangizo omwe afotokozedwa m'magawo apitawo. Tikakhala ndi khadi yathu yolumikizidwa ndi pulogalamu yolipira ya Apple, kugula kumakhala kosavuta.

Ubwino ndi kuipa kwa Apple Card

Monga khadi ina iliyonse, Apple Card ili ndi zabwino ndi zoyipa. Tisanaganize zopempha kuti tigwiritse ntchito mwachinsinsi (pamene chinthu choterocho chingatheke), ndibwino kudziwa mwatsatanetsatane ubwino ndi kuipa kwake:

Mokomera

Zina mwazabwino zogwiritsa ntchito khadili titha kuwunikira izi:

• Akusunga. Chifukwa cha ntchitoyi Cash Yatsiku ndi Tsiku, ndizotheka kubweza peresenti (pakati pa 1% ndi 2%) ya zinthu zomwe tagula ndi khadi. Peresenti iyi imakwera mpaka 3% ngati ikukhudza kugula mu sitolo ya Apple.
• chitetezo. Khadi lakuthupi silimawonetsa zambiri kapena zidziwitso zomwe zigawenga zitha kugwiritsidwa ntchito ngati zitatayika kapena kuba. Komano, ntchito zitha kuchitika kudzera Kukhudza ID/Nkhope ID, zomwe zimawonjezera zachinsinsi komanso chitetezo.

Kutsutsa

Zoyipa zomwe tingakumane nazo tikamagwiritsa ntchito Apple khadi ndi izi:

• Ndi kupezeka kwa owerenga iPhone. Kwa iwo omwe alibe chipangizo cha Apple, khadi iyi sikhala yothandiza.
• Imapezeka ku United States kokha, ngakhale iyi ndi mbali yomwe ingakhale yosiyana m'tsogolomu.

Kodi Apple Card ifika liti ku Spain?

Apple yawonetsa nthawi zambiri cholinga chake chokulitsa khadi yake kumisika ina kunja kwa malire a US. Iye chopinga chachikulu Kuti izi zitheke ndikofunikira pezani mnzanu wodalirika m'maiko aliwonse omwe Apple Card iyenera kukhazikitsidwa. Zofanana ndi Goldman Sachs ku United States.

Malinga ndi mphekesera, Mnzake wothekera ku Spain akhoza kukhala Santander. Ngakhale palibe chovomerezeka pa izi, pali mwayi woti izi zitha kukhala zoona, ngati titaganizira kuti banki yaku Spain iyi inali banki yoyamba kutengera Apple Pay mdziko lathu. Mosakayikira, chitsanzo chabwino.

Chomwe chikuwoneka bwino ndichakuti kutsika kwa Apple Card ku Spain sikudzachitika chaka chino, kapena chotsatira. Iyi ndi pulojekiti yomwe tiwona ikuwonekera mu nthawi yayitali.