오늘 이메일을 받았는데, 자세히 읽어 보니 그리 좋은 딜은 아니지만 혹시라도 필요하신 분이 있을까 해서 간단히 올려 봅니다. 기존 Apple카드 사용자에 도움을 받아 크레딧 쌓는 용도로 쓰면 어떨까 생각해 봤습니다.
(스샷을 올릴려고 했는데, 잘 안올라가는군요 ㅠㅜ)
Add a Co-Owner and they get $100 Daily Cash when they spend $100 for a limited time
- Apple Card Family2 lets you share the great features and benefits of Apple Card with anyone you call family. When you add a Co-Owner to your account by February 6, 2023, they’ll receive $100 Daily Cash from us when they spend $100 in their first 30 days.
- A Co-Owner can be a spouse, partner, or someone else you trust. The two of you share equal benefits and responsibilities for the account. Adding a Co-Owner allows you to build credit as equals4 and gain access to a combined credit limit.5 You both can view and manage the account making it easy to track your family spend in one place.
그리고 fine print 들중 관심 있으실만한 부분입니다 (애플 공홈가니까 hard pull 하네요)
1. Each Co-Owner is individually liable for all balances on the co-owned Apple Card including amounts due on the existing Co-Owner’s account before the accounts are merged. Each Co-Owner will be reported to credit bureaus as an Owner on the account. In addition, Co-Owners will have full visibility into all account activity and each Co-Owner is responsible for the other Co-Owner’s instructions or requests. Co-ownership involves risk, including payment history and other information about your Apple Card, including negative items like missed payments. Addition of a new Co-Owner is subject to credit approval and general eligibility requirements. For Apple Card eligibility requirements, click here. Either Co-Owner can close the account at any time, which may negatively impact your credit, and you will still be responsible for paying all balances on the account. For details on account-sharing options, including some of the risks and benefits, click here.
2. Apple Card Family Participants and Co-Owners do not need to have a familial relationship but must be part of the same Apple Family Sharing group.
3. Subject to credit approval. Valid only for new Co-Owners who are added to an Apple Card Family account who directly received this email offer, from January 24, 2023 to February 6, 2023, and the new Co-Owner must spend $100 or more within 30 days of being added to the Apple Card Family account. Co-Owners added before January 24, 2023, and after February 6, 2023, do not qualify. Not valid for existing Apple Card users who merge their Apple Card accounts to become Co-Owners with other existing Apple Card users. For clarity, any spend by Apple Card Family Participants and existing Co-Owners does not qualify toward the $100 threshold. Each Apple Card Family account is eligible to allow maximum one (1) person to redeem offer. Limit one offer per natural person per unique Apple Card account. Daily Cash bonus is earned as Daily Cash and is transferred to your Apple Cash card within 7 days after $100 worth of transactions have posted to your Apple Card account and you've made a subsequent transaction. Daily Cash bonus will not reflect in lifetime received Daily Cash. Returns of qualifying items purchased during the offer period to reach minimum spend threshold may result in a Daily Cash adjustment charge to your account. An additional purchase made during the offer period may qualify you for re-fulfillment of the Daily Cash bonus, but re-fulfillment may be delayed. Changes to your account status during the offer period may delay the fulfillment of your Daily Cash bonus. An Apple Cash card is required to use Daily Cash, except if you do not have an Apple Cash card, in which case you can only apply your Daily Cash as a credit on your statement balance. The Apple Cash card is issued by Green Dot Bank, Member FDIC. See apple.com/apple-pay for more information. Daily Cash is earned on purchases after the transaction posts to your account. Actual posting times vary by merchant. Daily Cash is subject to exclusions, and additional details apply. See the Apple Card Customer Agreement for more details. If we determine that you have engaged in or plan to engage in abuse or gaming in connection with this offer, you will not be eligible for this offer.
4. Building credit “equally” means that the payment history and other information about your Apple Card, will be reported to credit bureaus for each Co-Owner. Each Co-Owner is individually liable for all balances on the Co-Owned Apple Card and each will be reported to credit bureaus as an owner on the account. Credit reporting includes payment history and other information about your Apple Card, including negative items like missed payments. Card usage and payment history may impact each Co-Owner’s credit score differently, because each individual’s credit history will include information that is unique to them. Either Co-Owner can close the account at any time, but you will still be responsible for paying all balances on the account. For details on account-sharing options, including some of the risks and benefits, click here.