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Comment by paul7986 | Hacker News Reader

I think I read that if you lose your Apple Credit Card they will issue you a new one automatically in Apple Pay. You'll still get the physical one in the mail later, but if true that's a better UX then what all other cards currently do.

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I recently reported a fraudulent transaction on my card. My existing card was invalidated and a new one was on the way. Apple Pay was automatically made aware of this, it said something to the effect of: “Looks like you are getting a replacement card. You can still use this until it arrives.” After it arrived, the number had automatically updated (I didn’t notice exactly when).

In other words, this particular aspect of the UX is already solved.

Depends on the bank. I had to cancel some cards a few months ago and it made them disappear from Apple Pay (with a push notification of course). But I think that might be because I chose the stolen option.

How did you discover the fraudulent transaction? How did you report it?

I have every transaction send me a notification from the Chase app. I called up Chase when I noticed a transaction I hadn’t made.

Up, a relatively new digital bank in Australia does this already - I had my card setup in Wallet about 2 minutes after signing up online, a full week before the physical card arrived.

My bank (Bunq) allows me to use offline and online debit cards, for free. Linked to any IBAN (I can have 25 max). The online debit card's CVV code changes every 5 minutes which is convenient enough.

Amex (at least in the UK) does that already.

I report my physical card as lost/damaged, the one I’ve set up in Apple Pay automatically updates with a new number.

This is a feature of EMV tokenization and not limited to Apple Card. Any card you have in Apple Pay does exactly this, and other issuers have started allowing you to add your card to Apple Pay before you receive the physical one in the mail. As with Apple Card if you report any of these lost or stolen they'll rotate your card's DAN ("Device Account Number").

If this is a competitive edge for now, it won’t be for long when challenger banks start arriving in the US. All standard for them.

My bog-standard credit card lets you add new cards to Apple Pay from within their app before the actual physical card is issued.

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