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Apple Card takes on credit cards, offers lower fees with better app

It also comes with a physical titanium card

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The titanium Apple Card | Image credit: Apple

Part of Apple‘s ecosystem expansion is the new Apple Card. As its name implies, Apple Card is the company’s very own credit card which is right inside the iPhone’s Wallet app and works like Apple Pay.

According to Apple, they created Apple Card as a new kind of credit card designed to help their customers have a healthier financial life. By using Apple’s expertise in making things simpler, Apple Card brings together the company’s hardware, software, and services to create a new credit card experience. Since the Apple Card is a digital-first credit card, everything is done within an iPhone.

Apple is delivering this service in partnership with Goldman Sachs and Mastercard as the issuing bank and global payments network.

Apple Card is built into the Wallet app on iPhone | Image credit: Apple

Apple Card works like any credit card, but with seamless integration to the iPhone; it’s practically a credit card designed for the iPhone. The Apple Card and Wallet app make everything easy to understand and record detailed transactions in real-time. Also, support is available 24/7 by simply sending a text from the Messages app.

To entice customer’s to try it out, Apple will offer a rewards system called Daily Cash. Customers will receive a percentage of their every purchase: two percent for items bought with Apple Pay or three percent if the transaction is made directly with Apple. What’s unique about Apple’s rewards system is it’s added daily to the customer’s account (hence its name) and can be used right away.

To top that, Apple Card has no annual, late, international, or over-the-limit fees. Paying off the balance is made simpler too through the Wallet app. This helps customers make better and more flexible payment terms.

Each Apple Card has a unique number which is stored in an iPhone’s Secure Element, a special security chip used by Apple Pay. Of course, Face ID or Touch ID is used to authenticate each purchase.

When shopping at locations where Apple Pay is not yet available, Apple has designed a physical titanium Apple Card. It’s a minimalist and secured piece of metal for purchasing. It has no card number, CVV security code, or any crucial information printed since all these are accessible within the Wallet app.

Privacy and security are taken seriously by Apple, and they assure that neither them nor Goldman Sachs will share or sell data to third parties for marketing and advertising.

For now, only US customers can sign up for the Apple Card. It’ll be available in the coming months to qualified customers.

SEE ALSO: Magazines finally come to Apple News

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Hong Kong protests: Apple succumbs to pressure from China

Trying to please both the sides

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Every international company, whether based in China or the US, is now stuck in the middle of the Hong Kong protests. While the people want pro-Democracy ideals to govern their city, China refuses to back down and continues its passive-aggressive push.

Apple has reportedly removed the Quartz app from the App Store at the request of the Chinese government. Quartz’s Investigations editor John Keefe confirmed the app has been removed from the App Store and even the website has been blocked in Mainland China.

The publication has been covering the Hong Kong protests in detail and this hasn’t gone down well with the government in Beijing. China has a long history of suppressing free speech and it’s not surprising to see them block off content that doesn’t suit their narrative.

Though, users are furious at Apple for not taking a stand and bowing down to pressure. A few days back, the Cupertino-based giant removed the Taiwanese flag from its keyboard for some users to please the Chinese officials.

Apple was also in the news this week due to its initial rejection of an app that kept a tab on police movement in Hong Kong. Back in 2017, Apple removed the New York Times app from App Store after the Chinese government requested its removal because it was “in violation of local regulations.”

It is necessary for Apple to stay on good terms with China because of its business interests. Almost every other product designed by Apple will find its roots back in China, where everything is built — components as well as finished iPhones.

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Instagram is finally getting a dark mode

Out on iOS, beta on Android

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The spookiest and scariest month is upon us! A week into October, we can’t wait to sink our teeth into Halloween. While we wait for our monsters to wake up, the tech world is slowly paving the way for a scary month. For one, Instagram, Facebook’s popular photo-sharing social media network, has started embracing the dark side.

The app has released a much-awaited update for its iPhone variant. The update includes a dark mode, in collaboration with the newly released iOS 13’s native dark mode support. Finally, Instagram turns off the lights on its iconic (and sometimes obnoxiously bright) white theme. We can now browse throughout feeds in eye-pleasing darkness.

Sadly, the new dark mode is not accessible using a normal on-and-off switch. The mode switches on based on your own iPhone’s settings.

In addition to iOS, Instagram is also slowly rolling out the update for Android users. Unfortunately, the update is available only for Instagram Beta users. Even then, the Android update is only starting to trickle down to users worldwide.

Regardless, Instagram’s dark mode is a welcome addition to our growing list of dark mode-friendly apps. It’s getting easier to distract yourself from startling jump scares during those inevitable horror movie marathons on your couch this Halloween.

SEE ALSO: Facebook Dating is now live with Instagram integration

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This is Huawei’s alternative for missing Google Play services

Filling up the vacuum

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2019 has been an awfully difficult year for Huawei. While the US and China are embroiled in a trade war, the Chinese telecommunication giant is stuck in the cross-fire. Like every other phone maker, it relies on Google’s Android operating system and services to deliver a complete experience to the end user.

However, President Trump has barred American companies from doing any business with Huawei, which means the brand can no longer leverage Google Play services. Google has been banned from China for the longest time, so this won’t have any effect on Huawei’s sales in the country, but it will completely derail Huawei’s plans of global domination.

To counter these missing Google apps, Huawei has released a plethora of in-house apps that will ensure the user doesn’t feel left out. AppGallery is will replace the Google Play Store and can be used in 170+ countires. Launched way back in 2011, it was initially released for users in China only. In 2018, it was shipped to non-Chinese users and became a pre-installed package on all new phones.

Similarly, Huawei Browser replaces Google Chrome, Huawei Mobile Cloud replaces Google Drive, and Huawei Music replaces YouTube or Play Music. There’s also an addition of Huawei Themes, Huawei Assistant, and many more.

Thanks to the open-source nature of AOSP, Huawei is not completely barred from using Android on its smartphone. The recently launched Mate 30 series runs on Android, but doesn’t come with Google apps out-of-the-box, including Google Play Store.

This reminds us of Samsung’s Galaxy phones that usually ship with Google apps as well as Samsung’s own suite of apps. They are pretty much meant to do the same job, but come from two different vendors. Ultimately, offering more options to the user.

Will you be fine with these replacements or are Google apps necessary? As Plan B, Huawei has already announced its Harmony OS and we expect it to be ready for phones in the coming years. But, that’s still a long way down the line.

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