Credit Cards

To Keep or Cancel the Apple Card

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When I moved my Apple ID to the United Kingdom I was prepared for the fact that Apple Cash as well as my Apple Card would stop working, or need to be canceled. I know that the Apple Card was only available to those in the US. I remember when I tried to sign up for it using my US Apple ID and the region on my phone was set to the UK it did not even work. I assumed then that the card would simply either not work or I would get forced to cancel it after switching my entire ID to be associated to the UK.

Knowing that I would likely run into issues I figured I’d be proactive and simply call to cancel the card before it became a sort of challenge. One afternoon right after switching my Apple ID to the UK I called Apple. I spent about 30 minutes on hold. Then I spoke to someone and got bounced around from person to person. Finally got someone that said they could actually help me. It turns out they themselves could not help me since in order to cancel an Apple Card a Goldman Sachs supervisor needs to do it. So I spent some more time on hold. In the end it was their own customer service representatives asking me if I wanted to keep the card. They knew that I had moved to the UK. I was confused however they said as long as I had any address I could use in the US, I can keep the card. They asked me if I had any families address? They said the only real reason I needed a US address is in case I need a replacement card or statements sent to me in an emergency. We still have plenty of friends and family in the states that will be happy to do that for us. I decided to just keep the card if that was the company issue I got its attitude. I decided to continue using the address I previously given Apple/Goldman and make no change.

I was surprised that Apple (Goldman) prodding me to keep the card. It did feel like they were pushing me to avoid canceling. It wasn’t very forceful however under the circumstances I thought it was a no-brainer that they would want me not to have the card. Retrospectively a friend suggested that in the current climate of Covid-19 they probably want to keep as many cards that are in good standing as possible. And I was in good standing.

I then thought maybe there’d be some weird technical issue with using or having the card on my phone. I had already removed it from my iPhone before I called. I then tried to add the card back to my iPhone and I was surprised when there was absolutely no issue in doing so.

I thought the byproduct of moving my Apple ID to the UK would be losing this Apple card however for now it’s business as usual with it. I assumed the same would be apparent for Apple Cash. I am pleased with the outcome even though I’m not sure what systems have interdependencies where they will flag an anomaly with my setup.

So You Want To Move To Another Country Part Whatever: You Need Credit

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I have generally been pretty good with my credit. I pay all my balances off every month and my US credit has been excelent for years.

I knew when coming to the UK that my credit doesn’t carry over. I also learned that I might be in the lucky position to be using services from companies that would transfer my credit to their corresponding divisions in the UK.  That is a perk of working with a multi national organisation.

My usage of American Express cards is measured in decades. It makes me feel old. I also remember fondly that my dad thought it was amusing that I had an American Express Gold card in college. He gave me one on his account for any emergency purchases. Thinking about that, it might be its own post at some point. Needless to say after college an American Express card was one of the first cards I got. I was thankful to find out that American Express will issue me cards in the UK based off of my history with them in the US.

Process to get my American Express card in the UK was seamless. I filled out an online form and the cards arrived at our house in London. The cards were literally waiting for us when we got to our house. I cannot say enough nice things about the process from American Express to do this. In this situation membership does have its privileges. Pun intended. The only thing I would comment about my experience with American Express isn’t really a negative since I got something for free. I was going to downgrade one of my cards in the US however I got hard sold into not doing it. They basically gave it to me for free however it’s yet another conversation I  have to have with them later this year. I know they’re expecting me to forget and just pay for it. Be warned Annex I will not forget to call to downgrade that account.

The thing with American Express is even in the United States it’s not excepted everywhere. I heard mixed opinions from British friends on how widely accepted AMEX was. My experience is it is generally accepted the vast majority of the time we go to use it. Is it less widely accepted as in the states? I don’t know, maybe. Either way having it is your only card does limit you. Even in the US I would always have a backup just in case.

That leads me to trying to get a card from my bank. When it became pretty apparent we were going to move we opened an account with a multinational bank that was one of the few that have accommodations for people in my situation moving to new countries. I am writing about my experience in getting accounts created them in another post, so I won’t go into that here. I did sign up for a MasterCard in the United States specifically so I could build up credit history bank so I could transfer that history over to their UK division.

Once living in the UK I waited several months to apply for the credit card via my bank. I delayed partly because I wanted to see how far we can get with AMEX. I also was pretty lazy. I feel that all the forms to apply and then didn’t hear anything for several weeks. Then I get a letter saying I been declined. I was a little surprised. On one hand I do not keep very much money in the UK branch of this bank. I do my day-to-day banking with an online only bank. I didn’t think that would matter since I have a decent amount of funds in other locations with them. The way their whole system works is having funds at one location counts towards the other.

I was rather annoyed by being declined. I was also curious why. I called them to ask and got a bunch of runaround. Finally they filed an official appeal on my behalf. They told me that would be something like 6 to 8 weeks before they got back to me with an answer. Over a month later I got a letter telling me that three weeks after that they should have a response to me. When I finally got a written response all it said was I was declined and they couldn’t really say specifically why. But it may be one of many different factors. I get not having a lot of a credit history would prevent me from getting something from a service provider that I’ve never used before however these guys were supposed to be different. I should not be surprised since the general feedback about them in all of the expected some part of are negative.