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10275\u0275text(9," Why The Apple Card Could Make You Spend More "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(10,"div",6),o.\u0275\u0275elementStart(11,"span",7),o.\u0275\u0275element(12,"img",8),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(13,"span",9),o.\u0275\u0275text(14," By "),o.\u0275\u0275elementStart(15,"a",10),o.\u0275\u0275elementStart(16,"b"),o.\u0275\u0275text(17,"Michel Mora"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(18),o.\u0275\u0275elementStart(19,"span",11),o.\u0275\u0275text(20,"3 min read"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(21,"div",12),o.\u0275\u0275elementStart(22,"picture",13),o.\u0275\u0275element(23,"source",14),o.\u0275\u0275element(24,"source",15),o.\u0275\u0275element(25,"source",16),o.\u0275\u0275element(26,"img",17),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(27,"div",18),o.\u0275\u0275elementStart(28,"span",19),o.\u0275\u0275text(29,"Credit Card Rewards"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(30,"div",20),o.\u0275\u0275text(31,"Why daily rewards can quietly fuel overspending"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(32,"p",21),o.\u0275\u0275text(33," The Apple Card lets you watch your \u201cDaily Cash\u201d rewards stack up on your iPhone every day. Behavioral economists warn that same instant gratification can nudge you to spend more than you planned. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(34,"nav",22),o.\u0275\u0275elementStart(35,"h2"),o.\u0275\u0275text(36,"Table of Contents"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(37,"ol"),o.\u0275\u0275elementStart(38,"li"),o.\u0275\u0275elementStart(39,"span",23),o.\u0275\u0275listener("click",function(){return t.scrollTo("S2")})("keydown.enter",function(){return t.scrollTo("S2")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S2")}),o.\u0275\u0275text(40,"Daily Cash and Instant Rewards"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(41,"li"),o.\u0275\u0275elementStart(42,"span",23),o.\u0275\u0275listener("click",function(){return t.scrollTo("S3")})("keydown.enter",function(){return t.scrollTo("S3")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S3")}),o.\u0275\u0275text(43,"The Lure and the Science of Instant Gratification"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(44,"li"),o.\u0275\u0275elementStart(45,"span",23),o.\u0275\u0275listener("click",function(){return t.scrollTo("S4")})("keydown.enter",function(){return t.scrollTo("S4")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S4")}),o.\u0275\u0275text(46,"Guarding Against Overspending"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(47,"li"),o.\u0275\u0275elementStart(48,"span",23),o.\u0275\u0275listener("click",function(){return t.scrollTo("S5")})("keydown.enter",function(){return t.scrollTo("S5")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S5")}),o.\u0275\u0275text(49,"More From NerdWallet"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(50,"li"),o.\u0275\u0275elementStart(51,"span",23),o.\u0275\u0275listener("click",function(){return t.scrollTo("S6")})("keydown.enter",function(){return t.scrollTo("S6")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S6")}),o.\u0275\u0275text(52,"FAQs"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(53,"h2",24),o.\u0275\u0275elementStart(54,"span",25),o.\u0275\u0275elementStart(55,"span",26),o.\u0275\u0275text(56,"1"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(57," Daily Cash and Instant Rewards"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(58,"p"),o.\u0275\u0275text(59," In addition to being made out of titanium and arriving in laptop-like packaging, the new "),o.\u0275\u0275elementStart(60,"a",27),o.\u
10275\u0275text(61,"Apple Card"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(62," stands out for letting cardholders earn immediate rewards, dubbed \u201cDaily Cash.\u201d "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(63,"p"),o.\u0275\u0275text(64," Unlike many other credit cards, where rewards "),o.\u0275\u0275elementStart(65,"a",27),o.\u0275\u0275text(66,"typically post after one or two billing cycles"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(67,", the Apple Card lets you see and access your accumulating rewards daily via your iPhone. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(68,"p"),o.\u0275\u0275text(69," While it sounds convenient, that immediate gratification also comes with a downside: It could lead you to spend more, according to behavioral economists. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(70,"blockquote",28),o.\u0275\u0275text(71," \u201cIt\u2019s so much more salient and easy to respond in a way that\u2019s impulsive, but that may not be in your best financial interest.\u201d "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(72,"p"),o.\u0275\u0275text(73," \u201cIt can be very easy to go overboard [with rewards],\u201d says Lisa Kramer, a finance professor specializing in behavioral economics at the University of Toronto. Of the Apple Card rewards and their immediacy, she says: \u201cIt\u2019s so much more salient and easy to respond in a way that\u2019s impulsive, but that may not be in your best financial interest.\u201d "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(74,"h2",29),o.\u0275\u0275elementStart(75,"span",25),o.\u0275\u0275elementStart(76,"span",26),o.\u0275\u0275text(77,"2"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(78," The Lure and the Science of Instant Gratification"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(79,"p"),o.\u0275\u0275text(80," Ted Mann, chief executive of Slyce \u2014 a tech startup focused on visual search and image recognition \u2014 certainly noticed the immediacy when he started using the Apple Card shortly after it came out. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(81,"p"),o.\u0275\u0275text(82," \u201cI started to see the cash show up in the Wallet \u2014 every day, you get a buck or two. That\u2019s definitely gotten me to want to use Apple Pay more for just about anything,\u201d he says. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(83,"p"),o.\u0275\u0275text(84," Apple Pay is the mobile payment system on your iPhone, and indeed the Apple Card incentivizes the use of that payment system, offering 2% to 3% back on purchases made via Apple Pay. (There\u2019s a physical version of the card, too, but it earns only 1% back.) "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(85,"p"),o.\u0275\u0275text(86," While Mann says he isn\u2019t necessarily spending more because of the Daily Cash accumulations, he is using Apple Pay more to get those elevated rewards. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(87,"p"),o.\u0275\u0275text(88," Mann\u2019s other credit cards also earn rewards, he says, but \u201cI never see the rewards. My wife redeems them a couple times a year to book a family vacation, but otherwise, I\u2019m never aware of them, so the Apple Cash ones seem far more effective,\u201d he says. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(89,"p"),o.\u0275\u0275text(90," Seeing rewards accumulate daily on your phone makes them more visible compared with seeing them on a monthly statement, says David Gal, professor of marketing at the University of Illinois at Chicago. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(91,"p"),o.\u0275\u0275text(92," \u201cPeople like the immediate feeling of reward,\u201d he notes. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(93,"p"),o.\u0275\u0275text(94," But Gal cautions that such a feature can potentially lead to more spending than you initially intended. And this can be problematic given that credit card rewards in general are relatively small compared with the spending required to earn them. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(95,"p"),o.\u0275\u0275text(96," For example, in the case of the Apple Card\u2019s highest rewards tier, you\u2019d have to spend $1,000 just to earn $30 back in rewards. The card\u2019s ongoing APR is variable but can range as high as 20% or more. So if you\u2019re routinely blowing your budget just to see your rewards tick higher and you\u2019re unable to pay your balance in full each month, it can cost you more in interest than you\u2019re collecting in rewards. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(97,"h2",30),o.\u0275\u0275elementStart(98,"span",25),o.\u
10275\u0275elementStart(99,"span",26),o.\u0275\u0275text(100,"3"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(101," Guarding Against Overspending"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(102,"p"),o.\u0275\u0275text(103," If you\u2019re not currently "),o.\u0275\u0275elementStart(104,"a",31),o.\u0275\u0275text(105,"setting budgets ahead of your shopping trips"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(106,", it\u2019s a good habit to develop. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(107,"p"),o.\u0275\u0275text(108," \u201cIf we operate in a world where we don\u2019t set budgetary limits, then it\u2019s easy to spend more than we intend,\u201d Kramer says. \u201cBut if we\u2019re explicit in advance about what those spending limits are, it can be helpful,\u201d she says. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(109,"p"),o.\u0275\u0275text(110," For those who have trouble sticking with those budgets? Signing up for spending alerts or notifications when you reach a certain limit can also temper spending, she adds. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(111,"p"),o.\u0275\u0275text(112," But prevention can start even earlier. Kramer suggests self-awareness as a first defense. Understanding how your brain is responding to rewards can help you step back and make a different, more informed choice. With the Apple Card, for instance, you could choose to ignore the accumulating Daily Cash and check in just once a month, as you might with a typical rewards card. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(113,"p"),o.\u0275\u0275text(114," Ultimately, if you know the allure of such instant rewards will tempt you to overspend, you may want to turn off your phone when you enter a store \u2014 or leave it behind entirely \u2014 and stick with cash or a debit card. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(115,"p"),o.\u0275\u0275elementStart(116,"i"),o.\u0275\u0275text(117,"This article was written by NerdWallet"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(118,"i"),o.\u0275\u0275text(119," and was originally published by "),o.\u0275\u0275elementStart(120,"a",32),o.\u0275\u0275text(121,"Forbes"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(122,"."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(123,"h2",33),o.\u0275\u0275elementStart(124,"span",25),o.\u0275\u0275elementStart(125,"span",26),o.\u0275\u0275text(126,"4"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(127," More From NerdWallet"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(128,"ul"),o.\u0275\u0275elementStart(129,"li"),o.\u0275\u0275elementStart(130,"a",34),o.\u0275\u0275text(131,"Don\u2019t Let Your Vet Bill Dog You Forever"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(132,"li"),o.\u0275\u0275elementStart(133,"a",35),o.\u0275\u0275text(134,"Requesting a Credit Limit Increase? Here\u2019s What to Expect"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(135,"li"),o.\u0275\u0275elementStart(136,"a",36),o.\u0275\u0275text(137,"5 Credit Card Changes \u2014 With More Rewards, Less Fraud \u2014 Coming Soon"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(138,"p"),o.\u0275\u0275text(139," Kimberly Palmer is a writer at NerdWallet. Email: [email protected]. Twitter: @kimberlypalmer. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(140,"p"),o.\u0275\u0275text(141," The article Why The Apple Card Could Make You Spend More originally appeared on NerdWallet. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(142,"div",37),o.\u0275\u0275elementStart(143,"span"),o.\u0275\u0275text(144,"Share:"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(145,"a",38),o.\u0275\u0275namespaceSVG(),o.\u0275\u0275elementStart(146,"svg",39),o.\u0275\u0275element(147,"path",40),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275namespaceHTML(),o.\u
10275\u0275elementStart(148,"a",41),o.\u0275\u0275namespaceSVG(),o.\u0275\u0275elementStart(149,"svg",39),o.\u0275\u0275element(150,"path",42),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275namespaceHTML(),o.\u0275\u0275elementStart(151,"a",43),o.\u0275\u0275namespaceSVG(),o.\u0275\u0275elementStart(152,"svg",39),o.\u0275\u0275element(153,"path",44),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275namespaceHTML(),o.\u0275\u0275elementStart(154,"div",45),o.\u0275\u0275elementStart(155,"span",7),o.\u0275\u0275element(156,"img",8),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(157,"div",46),o.\u0275\u0275elementStart(158,"strong"),o.\u0275\u0275text(159,"Billshark"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(160," \xb7 Bill Negotiation Experts"),o.\u0275\u0275element(161,"br"),o.\u0275\u0275elementStart(162,"span",47),o.\u0275\u0275text(163,"Helping consumers and small businesses stop overpaying on recurring bills."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(164,"section",48),o.\u0275\u0275elementStart(165,"div",2),o.\u0275\u0275elementStart(166,"div",49),o.\u0275\u0275elementStart(167,"h2",50),o.\u0275\u0275text(168,"Frequently Asked Questions"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(169,"div",51),o.\u0275\u0275elementStart(170,"details",52),o.\u0275\u0275elementStart(171,"summary"),o.\u0275\u0275elementStart(172,"h3"),o.\u0275\u0275text(173,"What is Apple Card\u2019s Daily Cash?"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(174,"p"),o.\u0275\u0275text(175,"Daily Cash is the Apple Card\u2019s rewards feature. Unlike many credit cards, where rewards typically post after one or two billing cycles, the Apple Card lets you see and access your accumulating rewards daily via your iPhone. Cardholders watch the cash show up in the Wallet app every day, often a dollar or two at a time, which makes the rewards feel more immediate and visible than a monthly statement."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(176,"details"),o.\u0275\u0275elementStart(177,"summary"),o.\u0275\u0275elementStart(178,"h3"),o.\u0275\u0275text(179,"Why could the Apple Card lead you to spend more?"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(180,"p"),o.\u0275\u0275text(181,"Seeing rewards accumulate daily on your phone makes them more salient than waiting for a monthly statement, and behavioral economists say that immediacy can prompt impulsive purchases. The card also offers 2% to 3% back on Apple Pay purchases, which encourages more spending through that payment system. Experts warn this instant gratification can lead you to spend more than you initially intended."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(182,"details"),o.\u0275\u0275elementStart(183,"summary"),o.\u0275\u0275elementStart(184,"h3"),o.\u0275\u0275text(185,"How much rewards does the Apple Card pay?"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(186,"p"),o.\u0275\u0275text(187,"The Apple Card offers 2% to 3% back on purchases made via Apple Pay, while the physical version of the card earns only 1% back. At the highest rewards tier, you would have to spend $1,000 just to earn $30 back in rewards, so the rewards are relatively small compared with the spending required to earn them."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(188,"details"),o.\u0275\u0275elementStart(189,"summary"),o.\u0275\u0275elementStart(190,"h3"),o.\u0275\u0275text(191,"Can Apple Card rewards cost you money?"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(192,"p"),o.\u0275\u0275text(193,"Yes. The card\u2019s ongoing APR is variable but can range as high as 20% or more. If you routinely blow your budget just to watch your rewards tick higher and you are unable to pay your balance in full each month, the interest you owe can cost you more than the rewards you collect, leaving you worse off financially."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(194,"details"),o.\u0275\u0275elementStart(195,"summary"),o.\u0275\u0275elementStart(196,"h3"),o.\u0275\u0275text(197,"How can you guard against overspending with the Apple Card?"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(198,"p"),o.\u0275\u0275text(199,"Set budgets ahead of your shopping trips and be explicit in advance about your spending limits. Sign up for spending alerts or notifications when you reach a certain limit. Practice self-awareness about how your brain responds to rewards, and consider checking your Daily Cash just once a month. If instant rewards tempt you, leave your phone behind and stick with cash or a debit card."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(200,"div",2),o.\u0275\u0275elementStart(201,"section",53),o.\u0275\u0275elementStart(202,"h2",54),o.\u0275\u0275text(203,"Related Blog Posts"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(204,"div",55),o.\u0275\u0275elementStart(205,"a",56),o.\u
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Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.