Let's Talk About The Apple Credit Card...
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@fsmoura 5 жыл бұрын
They are making it in titanium so you can't cut it up! 😎 😂
@andreyv1 5 жыл бұрын
Nowadays many companies are, and that’s probably the reason why
@Janelleybean23 5 жыл бұрын
I feel silly for not realising this was the reason why! 😂
@recorder12 5 жыл бұрын
The psychological war
@romainepeart8335 5 жыл бұрын
The simple minded also likes shiny things.
@bjkarana 5 жыл бұрын
Maybe one could fashion it into a ninja star?
@MrBrewman95 4 жыл бұрын
I use my Apple Card as a debit card. I pay off my balance the time I am able to and I have no debt. Like any other credit card, responsibility determines.
@kirstylynn3723 4 жыл бұрын
Same! We find that using Every $ with our CC's is the only way. We have 0 debt and pay off CC every month and use the rewards! We have taken 3 trips for FREE just from paying bills on the CC.
@frankshanks9726 Жыл бұрын
But why? Use a debit card. Dave says to never do the pay card off every month thing. He says cut them all off.
@isaiahsledge7665 Жыл бұрын
@@frankshanks9726 we get cash back for each purchase
@DaddyC445 Жыл бұрын
@@isaiahsledge7665 spend 40k to get 800 cash back…
@RR9ISTHEBESTGUARD Жыл бұрын
@@DaddyC445 if it’s 40k you were gonna spend anyway, why not get a free 800 bucks for it 😂
@Brokeasweat 5 жыл бұрын
Dave ramsey: “cut up your credit card” Apple fanboy: “ I cant its titanium”
@ilikeboost4764 5 жыл бұрын
I'm a apple fanboy but I also have access to an angle grinder. 🤷🏼♂️
@Sectionmillionaire-fg8mm 5 жыл бұрын
i just paid off my motorcycle today. $1100 payoff.... I now have 0 debt except my duplex. 15k in 6 months.
@uniquethequeens6547 5 жыл бұрын
Section8 millionaire congratulations 👏🏾👏🏾👏🏾
@Jalbert0028 5 жыл бұрын
I just paid off my taco, cash! Living la vida loca!
@uk7769 5 жыл бұрын
Haha, Apple engineers when designing the Apple credit card. "We need to make the Apple card out of titanium so they won't be able to cut up the card if customers start watching Dave Ramsey."
@daisyesquivel952 5 жыл бұрын
Just leave the credit card at home.
@TechEngineerSchool 5 жыл бұрын
Lol 🤣🤣🤣🤣
@wlonsdale1 5 жыл бұрын
Most people are responsible with credit cards unlike Dave Ramsey listeners
@MarvelousProductions 5 жыл бұрын
Walt Lonsdale if this were true, these companies wouldn’t get into the credit card business
@TechEngineerSchool 5 жыл бұрын
@@MarvelousProductions on point. They are in credit card business because they make ridiculous money from interest.
@zacharybohlman4069 5 жыл бұрын
I use my credit card as a debit card. Haven’t paid a cent in interest in years. DR’s anti credit card hostility is because he has to be that way. The people who need his advice the most can’t handle them. If you’re responsible there’s no difference between it and a debit card.
@BlackGT1999 4 жыл бұрын
Thank you
@joshandrews8913 4 жыл бұрын
That being said, the Apple card isn't that good of a card anyway, it's just decent enough and people like Apple. For example, if you are going to use a credit card, a Chase CC has better cash back unless you already own an iPhone and can use Apple pay. Even then, I think some other banks have even higher cash back rates on their cards.
@marcopizarro 4 жыл бұрын
Yep
@matthewgruter2937 4 жыл бұрын
Research shows (statistically) that using a credit card (compared to debit card) changes spending behaviour. If you can be the exception to those stats and not change your behaviour compared to a debit card then 👍
@colin1818 4 жыл бұрын
@@matthewgruter2937 - If you have a budget it isn't hard. Stick to your budget. It doesn't matter where the transactions are occurring - either through cash or some kind of card.
@brayan8346 5 жыл бұрын
“You’re not in Congress, you know how to balance a budget.” I laughed so hard.
@PabloSegura 5 жыл бұрын
Apple is just looking to make more money because they know the consumers will pay for the Apple brand.
@upfulsoul826 5 жыл бұрын
And because they don't dominate tech anymore. Everyone knows their products are overpriced.
@MsSusieStone 5 жыл бұрын
Pablo Segura Yeah! And if there is an apple on the piece of plastic or not still makes it a credit card with interest rate. Not more and not less than that.
@PabloSegura 5 жыл бұрын
@@upfulsoul826 That's true.
@PabloSegura 5 жыл бұрын
@@MsSusieStone Exactly.
@gonzalomoreno560 5 жыл бұрын
@@upfulsoul826 Well yeah, they're a fashion company. They're like Michael Kors or Loius Vuitton only that they sell phones instead of bags and other goods. You don't buy a iPhone if you're looking to get a phone that allows you to perform "smart phone" tasks. That's why they're expensive. People don't need them. They want them.
@michaeleatmon9127 5 жыл бұрын
Thanks to you Dave my wife and I paid off our house, and knew better than to get a time share. Thanks again
@kenny3269 5 жыл бұрын
Michael Eatmon congratulations!
@canman5060 5 жыл бұрын
Time share are scampers.
@michaeleatmon9127 5 жыл бұрын
Lar M I know right ?
@EyeAmCoa 5 жыл бұрын
Michael Eatmon congrats!!
@ECmom 5 жыл бұрын
Michael Eatmon congratulations!
@mr.boostang2064 5 жыл бұрын
Started baby step 4 this month 😁 bought new tires last week for both my cars in cash with money to spare and didnt have to touch the emergency fund 😎 Family still thinks I'm crazy 😂💰💰
@user-cv3gd2wr5q 5 жыл бұрын
Boostang after you become wealthy they’ll start saying you were LUCKY!
@roxcyn 5 жыл бұрын
They're financed by Goldman Sachs, not Apple.
@psychobillionz 5 жыл бұрын
That's even worse
@BlackGT1999 4 жыл бұрын
psychobillionz is it? Jw
@jollama 2 жыл бұрын
@@BlackGT1999 You’re not getting an answer
@filipmazur4763 5 жыл бұрын
Me and my wife are $1.5k away from being free of credit card debt. thank you Dave for your guidance !
@logicalfoo7334 5 жыл бұрын
Should’ve payed it every month
@timmydevil999 5 жыл бұрын
Congrats 👏🏽👏🏽
@tessellationarts2971 5 жыл бұрын
@@logicalfoo7334 should've not used them at all
@christianmartinez8700 2 жыл бұрын
I pay it soon as it’s available to pay
@mohamedfaisal8200 5 жыл бұрын
When you are from Egypt, and hear they are have more money than Egypt, lol Apple have more money than my entire country!
@elmateo77 4 жыл бұрын
The funny thing is it's not just a little more. Egypt's GDP in 2018 was $250 million, whereas Apple's revenue in the same year was roughly $90 billion.
@Andreas4696 4 жыл бұрын
@@elmateo77 What? Egypt's GDP in 2018 was $250,9 billion USD.
@timiadetona 5 жыл бұрын
Don't know why people were waiting on Dave's take on this. A credit is a credit and is a credit. Simple as that. It's up to you and your financial goals to decide to take it or not. Periodt.
@smileychess 5 жыл бұрын
Because it's entertaining to see his thoughts about a new fad in the financial industry.
@timiadetona 5 жыл бұрын
@@smileychess haha, I'll give you that
@kgotter 5 жыл бұрын
My investments in Apple look better and better 😊
@ransom182 5 жыл бұрын
LOVE my Apple stock!
@OptionSniped 5 жыл бұрын
ransom182 same
@dwayneclarke007 5 жыл бұрын
Same!!!
@MiMiOrt 5 жыл бұрын
How do I buy stock for APPLE?
@kgotter 5 жыл бұрын
MeMe O. I use M1 finance myself. Very easy to get into. Look it up sometime and do some research to see if you like it 😊
@MrJat227 5 жыл бұрын
Nothing wrong with the card if you pay off your balance every month. Personally, I think the fidelity visa is a better deal, 2% cash back on everything. But I agree it is a bad deal for those who lack self control.
@Enciphered_deciphered 5 жыл бұрын
I was waiting!!! 🤣🤣🤣 , just what I told my apple-slaved coworkers “it’s just a STUPID credit card” ....
@johnb4669 5 жыл бұрын
Dave makes a great point about unethical behavior in the land business. Dave made lots of money in real estate. Now it makes sense. 💯
@kailen98 5 жыл бұрын
Apple card is Dave Ramsey cut proof.
@frankiecal3186 5 жыл бұрын
Not if you chainsaw your phone.
@crowtservo 5 жыл бұрын
I don’t understand the timeshare thing. Who wants to go on vacation to the same place every year?
@CookingLessonsforDad 5 жыл бұрын
People may stop buying timeshares in Florida if they know they will be trapped so that strategy could backfire.
@ellisonjulian 5 жыл бұрын
The video everyone has been waiting for, according to the comment section of every recent video since the announcement
@BreannLaFaye 5 жыл бұрын
Ooo! I was waiting for this 😁 Get um uncle Dave 😂🤣
@hahern242 5 жыл бұрын
If you will buy swamp land in Florida, I've got some oceanfront property in Arizona to sell you too 😂
@Fazal828 5 жыл бұрын
Hailey there's no oceans in arizona
@davidfajardop 5 жыл бұрын
Fazal828 oh really? it seems you don’t understand sarcasm 🙄
@rvjason 5 жыл бұрын
How much?
@cooliipie 5 жыл бұрын
That's a misconception about Florida. It's actually closer to the Savannah
@steviejohnson6452 5 жыл бұрын
Look at what Walt Disney did with some swamp land in central Florida
@klbittick 5 жыл бұрын
It's funny that he decided to do a segment on this this morning. I e mailed his e mail found via Facebook super late last night. I guess a ton of other people had the same question.
@MrAdhiSuryana 5 жыл бұрын
Instead of fixing their Macbook keyboard issue or touch issue on my 2017 iPad Pro, they are launching a credit card! A new way to milk money other than selling low quality control products!
@carlosmartinezz3022 5 жыл бұрын
Tim Cook laughing as Dave's Audience frantically try to do Plastic Surgery on Apple titanium CC.
@dsanti4069 5 жыл бұрын
I can’t wait to get this Credit card. I’m in need of a window ice scraper .
@NeVErseeNMeLikEDis 5 жыл бұрын
Yea a piece of titanium for free.i definitely getting it.. I won't you use it because I don't really need to my credit score is 789. Use credit card like once a month just to make my credit score go higher.n paid it off asoon as it post on it.
@theCodyReeder 5 жыл бұрын
Titanium is tough but it’s sheer strength is not that impressive. cutting a half mm sheet of it with scissors should be quite doable. Some titanium alloys might be more trouble though.
@catotheelder9524 5 жыл бұрын
The first thing I thought of when I heard about the apple credit card was Dave Ramseys reaction 😂
@wgold22 5 жыл бұрын
"You (the audience) can help them balance a budget cause none of you work in Congress." 😂🤣😂
@privateprivate8366 5 жыл бұрын
Hardly a thing isn’t about $$$. I just got an email from PayPal today advertising that I can use PayPal Credit to pay my taxes.
@christechguy 5 жыл бұрын
Isn't that ironic 😂 taxes are high everything is high right now in the economy we're not going forward we're going backwards right into the way of the 1920's great depression all over again.
@kdilli6426 5 жыл бұрын
This is what happens with public companies. They figure out more and more ways to increase their stock prices for investors. No one should be surprised by this move
@blackworldtraveler3711 5 жыл бұрын
K Dilli That's why I own shares in MasterCard,Visa,and Apple. Unfortunately most rather be consumers and not invest.
@rhylin26 5 жыл бұрын
Thanks for talking me down from the apple credit card.
@rubena7674 5 жыл бұрын
I was just waiting for that Apple credit card video! And boom, it’s was first on my features!
@Angie_cheeks 5 жыл бұрын
Apple announces a new shiny credit card.... First thing I thought .... what would Dave Ramsey think of me?....😁... that’s stooopiid! 😂
@mziminski 5 жыл бұрын
I've been waiting to hear your opinion on this!
@kevindao1103 5 жыл бұрын
Oh man, I've been waiting for this the moment I saw the keynote... 😃
@tywills5504 5 жыл бұрын
He missed the perfect opportunity to say drain the swamp LOL
@ericdahl2915 5 жыл бұрын
I love that an Apple commercial plays before this video comes on
@chrisstaub5880 3 жыл бұрын
I don't think I've heard of "swampland in Florida to sell you" until Dave talked about it. I've usually heard it phrased "I've got a bridge to sell you".
@Dbeastlygamer95 5 жыл бұрын
I just want the Apple Card for the privacy stuff and the titanium card is just a cool bonus. I pay my balances off every month so I don't get interest but lately I opened an "Everyday" checking account on top of my main account, this new one is just for my weekly budget. This would just take the place of my current credit card and I just wouldn't use my current one anymore and let them close it out after a while.
@666dynomax 4 жыл бұрын
you sheep you
@CrayonEater94 5 жыл бұрын
I was waiting for Dave to say something about the Apple Credit card 😂
@Ray-md9nr 5 жыл бұрын
Here in South West Florida Lowes Home improvement is threatening employees that they'll get fired if they don't process at least 2 credit card application per week. I don't know what to think about it I know its true but i don't know what to think or to what recommend to a friend. Please advice
@infotechyeti 5 жыл бұрын
I had to send back my amazon cc because it was made out of metal. They definitely make it hard to cut them up lol
@bmaiceman 5 жыл бұрын
Well I saw this comming last year. I even told my friends it would happen. I don't want one. But I know ppl who will apply. Geees
@rickmasters818 5 жыл бұрын
Can you please direct me to how I can contact your TimeShare Exit Team? We bought a time share years ago and were told we couldn’t get out of the contract. Please help. Love your show thanks
@Dan007UT 5 жыл бұрын
Time share exit team dot com
@hanes2 5 жыл бұрын
13-24% interest?! that's insane. here I live, I replaced my debit card with a credit card as I got a better insurance service, things like car repair, on call, car towing etc. as I use others cars/work cars etc. and not my own. But I still use it as a debit card and only pay a yearly fee of like 25$ and I transfer money to it only when I'm out. The bank doesn't seem to like me as they won't even lend me money for anything because I pay everything off...
@oac92020 4 жыл бұрын
Where you expecting for Dave to tell you go ahead and get it!!!! 😂
@Jalbert0028 5 жыл бұрын
😂 I am not angry! WHY ARE WE YELLING!!! Credit cards are not bad if handled responsibly.
@19tank81 5 жыл бұрын
Currently in a Chapter 13 Bankruptcy, I will never accrue debt with stupid stuff like vehicles/electronics. Love Dave! Bless him! Learned my lesson.
@sincerelysandi 5 жыл бұрын
F K hang in there, you will get there soon💪🏾
@19tank81 5 жыл бұрын
@@sincerelysandi Thank you! It has been a learning experience, actually happy it happened because I'm so much better with money now.
@roxcyn 5 жыл бұрын
What advice would you give your fellow consumers?
@19tank81 5 жыл бұрын
@@roxcyn Ask yourself "will I still be happy with my decision 6 months from now" WHENEVER you are going to buy something that is a WANT vs a NEED! Buy stuff with cash also, because when you break a $100 bill it's much more painful than just swiping a high interest credit card. I'm also never going to finance/lease a vehicle ever again. I'll save the cash, and buy a nice pre-owned vehicle.
@BrownManLifts 5 жыл бұрын
Yeah..... I was waiting for this video
@thejokerspeaks 5 жыл бұрын
If you buy your timeshare with a credit card for signup bonus, it really reduces the cost of ownership.
@DanCojocaru2000 5 жыл бұрын
To be honest, I would get the Apple Card just to have the titanium thing then cancel it without spending. Just to put that card in a frame on the wall. I mean, you have to give it to them, that card is a beauty.
@michaelcrash 5 жыл бұрын
what's the very good APR % on credit card in USA? 13% - 24% ... very high in my opinion.
@ilofton9218 5 жыл бұрын
Been waiting for this video since I heard about the Apple Credit Card
@rustymu87 5 жыл бұрын
My man! Thank you so much
@Fedgery007 5 жыл бұрын
You don’t have to “give them money” if you don’t carry a balance. Although if you know anything about credit cards you know this isn’t a good one.
@professional.commentator 5 жыл бұрын
This is the first time I've heard of a tech company become a bank overnight.
@joham 5 жыл бұрын
Amateur Professional In a bank you can make deposits. Apple it’s not offering that.
@SS-cc2cv 5 жыл бұрын
They didn’t. Goldman Sachs is the bank.
@roxcyn 5 жыл бұрын
They're not. Goldman Sachs is financing the cards.
@UNPhantom93 5 жыл бұрын
Google used to have Google Pay card. But it's a prepaid card which I was happy to own as a novelty and many were surprised when I use it.
@mdreaden89 4 жыл бұрын
Thank you for clarifying. Needed it. Seriously.
@Patburkelife 5 жыл бұрын
How do I ask a question for potential video review?
@nicksimpson87 5 жыл бұрын
Dave, you should take 3 min and read the article. It stated that after making $500k and setting their budget they still "feel" average CNBC wasn't positioning them as average, quite the contrary, they were trying to show how easy it can be to fall into "lifestyle creep" and how a clearly above average income can quickly be consumed by many small poor choices. Then they make a statement I think you would agree with "Ultimately, a hefty paycheck doesn’t always guarantee wealth or financial peace of mind. By contrast, budgeting and living beneath your means, no matter your income level, can help you out tremendously in the long run."
@Mytinhalo 5 жыл бұрын
😂 omg. I am so sorry! I live in FL, and this is the first time I've heard of the bill. I feel scummy now.
@Capris9x 5 жыл бұрын
lol so The Dave Ramsey channel plays NCS music at the outros now?
@mailmanjoe 3 жыл бұрын
The sarcasm in Dave's voice😂. So bad the naive would think he's serious.
@WweIsReallyGood 5 жыл бұрын
IVE BEEN WAITING FOR THIS!
@thompson1407 5 жыл бұрын
“You’re going to give Apple 24%”. Framed differently: Apple is going to give you 1% cash back for things you pay for already out of your checking account. You could use it to pay bills like gas, electric, insurance, cable etc. According to Dave’s mutual fund returning 12%, $240/yr for 20 years is almost $20,000. But credit cards are stupid!
@foford2010 5 жыл бұрын
I was waiting for this after I heard the new apple card lol
@SkyroofNova72 5 жыл бұрын
If a Titanium credit card isn't "anti-Ramsey" I don't know what is. Could you imagine the guy in your FPU class trying to cut that credit card up!? Just the thought of it lol!
@sbrazenor2 5 жыл бұрын
If you need a dremel with a diamond bit to cut your credit cards up, we really need to start regulating credit card manufacturing. Also, if you get abducted, maybe the card comes in handy. You can sharpen an edge on the ground and cut someone with it. LOL 🤣
@Christian-xb6no 5 жыл бұрын
Hello folks where I live everyone has 0% interest credit cards. Do these exist in the US?
@enigmathegrayman2953 5 жыл бұрын
Rename title to this video “DON’T INVEST IN TIMESHARES”
@mattf3348 5 жыл бұрын
The best thing anyone can do is get out of debt.
@carlroberson6336 5 жыл бұрын
I was waiting to hear his input on this.
@Jollyprez 5 жыл бұрын
Once a company starts providing financial services, their core products have a tendency to go second-place in their business.
@davidrapant6398 3 жыл бұрын
I can see people lining up to get the new iCard2 after a year of having this one. Comes in three new colors.
@jarviswonmainevent 5 жыл бұрын
I was waiting for this lol.
@Ray-md9nr 5 жыл бұрын
Can credit cards with that high of an interest rate be considered Predatory lending?
@thejimmyorozco 5 жыл бұрын
Why are credit cards an option to pay the 4.99 membership??
@Justin11897 5 жыл бұрын
Whats wrong with people like me who use it for the cash bonus? I pay it off immediately and never get charged interest
@Cody_Ramer 5 жыл бұрын
Because people tend to subconsciously spend more on a credit card than they do with cash.
@Justin11897 5 жыл бұрын
breakingdawn97mc I see what your saying bro but I guess the 1% who doesn’t
@ilyaguseynov4761 5 жыл бұрын
But, but, Dave you don't understand! The card has the apple logo on it. It will make me look even cooler in front of all my friends!
@UNPhantom93 5 жыл бұрын
😂 😂
@SiMPLYHaZZaRD 5 жыл бұрын
The $500,000 dollar couple had $9,500/year expense on clothes! They even specified no fancy bags, shoes, etc... $9,500 a year on clothes sure does sound fancy to me.
@ClaxtonBay123 5 жыл бұрын
In comparison to their income that's absolutely nothing. That's not where their problem is.
@jolawil 5 жыл бұрын
Dave you're AWESOME!
@Kenz3 5 жыл бұрын
This also gonna get out fee they pay to visa and MasterCard when people buy their phone now they can keep 100% of money
@topcomment3816 5 жыл бұрын
You seem to have an extremely low level of financial competence.
@GardenerEarthGuy 5 жыл бұрын
Due Diligence on any real estate purchase, always.
@yupsir791 5 жыл бұрын
Dave, you can have an IPhone and we can still be friends.
@bjkarana 5 жыл бұрын
Makes sense from Apple's side of the equation, as they are sitting on many billions of dollars in cash that needs to be allocated. Some of that cash gets paid out as dividends, but when you can loan out some of it for 14-25%+, then why not? I've noticed at least among my peers that quite a few people are buying bigger houses, new cars, and toys like RVs, and this is when I start to get bearish as it's usually an indicator that the tide is about to start receding. .
@devchonka18 5 жыл бұрын
I was waiting for a juicy apple credit card rant.... Dave... you let me down 🙄
@janiecel 5 жыл бұрын
I knew when it came out that Uncle Dave would say something like this.
@viajes80 5 жыл бұрын
Paying the card before the end of the month it will cost you 0% interest and you will earn cash back 3,2,1%.. Also I’m gonna have a weapon on my wallet a titanium one 😂😂
@matthew8153 4 жыл бұрын
Do you plan to still budget and subtract each purchase from your remaining budget balance or do you plan to just swipe your card regardless of a price and be surprised by the bill when it comes out?
@alexsloan4976 2 жыл бұрын
@@matthew8153 dude who tf manages their money like that I’m scared for you
@matthew8153 2 жыл бұрын
@@alexsloan4976 I think your comment was supposed to be directed to Iskeen, not me.
@Andrew-mm5qn 5 жыл бұрын
The new card is actually pretty nice! I’m gonna get it! Can’t wait!
@benbenbenben.benbenbenben 5 жыл бұрын
Half this video is about florida time shares. I thought I clicked on the wrong video for a sec
@teamrocfan 5 жыл бұрын
The 2nd half of this video is about Florida swamp land time-shares
@jayc379 5 жыл бұрын
What? average family income is $500,000? Sign my name up to live in that family XD
@lefrogie291 5 жыл бұрын
How much is the sign up bonus and the rewards. I may get one.
@aqibos 5 жыл бұрын
Tom Tom No bonus, but 1-3% cash back depending on what you buy.
@Pjaythesongstress 5 жыл бұрын
Wow. He is so abrasive! It’s hard to listen to anyone who calls people outright stupid. Jeesh.
@b-demi4416 5 жыл бұрын
My sister and I were talking about the apple credit card and comparing it to the magnesus card by Billy MacFarlen the fyre festival guy. I think that card was metal too and people bought it because it was metal and looked cool, but it was his first scam before the fyre festival.
@BlackHornetTactical 5 жыл бұрын
Interest rates don’t matter as long as you pay the full amount at the end of the day. If you have no self control then don’t get a credit card. Credit cards are supposed to be paid off in full monthly and used only for the Percs or money back. Credit cards can be good if you’re responsible
@jvolstad 5 жыл бұрын
Don't need another credit card. I have one that I use when traveling (numerous benefits) and another just for general purchases. Neather card carries a balance beyond the end of the billing period. Current credit score 800+.
@giovannicazares3110 5 жыл бұрын
That's hilarious dave ramsey!
@gabel1474 5 жыл бұрын
Owed 2000 grand plus in debt at 19 from court fees and school might not be so big but have a minimum wage job controlled my spending emotions my last payment of 125 next week took a few months 😎
The Ramsey Show Highlights
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