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Apple Cash Doesn't Work for Under 18, thoughts?

I really like iPhones and the whole ecosystem but one thing I can't wrap my mind around is why cant teens use apple cash. it doesn't make sense why make a way to transfer money to people if you can even use it for logical purposes like giving your kids extra money quickly if they need it. or give them a spending limit or a way to pay back their parents. the concept is good but I feel like the execution isn't. Any thoughts?

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There is likely a legal reason -- e.g. you can't get a credit card below the age of 18 in the US.

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8 minutes ago, BurntNewt said:

I really like iPhones and the whole ecosystem but one thing I can't wrap my mind around is why cant teens use apple cash. it doesn't make sense why make a way to transfer money to people if you can even use it for logical purposes like giving your kids extra money quickly if they need it. or give them a spending limit or a way to pay back their parents. the concept is good but I feel like the execution isn't. Any thoughts?

Legal reasons.  People under 18 can NOT agree to a binding TOS or sign a contract.

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My under-18 friend uses apple pay all the time, is this different?

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Just now, ShadySocks said:

My under-18 friend uses apple pay all the time, is this different?

thats what i was thinking how is it possible to use apple pay in general then 

 

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Just now, BurntNewt said:

thats what i was thinking how is it possible to use apple pay in general then 

 

Apple pay is generally linked to someones credit card/debit card.  Which requires that someone over 18 sets up the account.

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3 minutes ago, BurntNewt said:

thats what i was thinking how is it possible to use apple pay in general then 

 

Because Apple Pay is just a way of using an existing credit/debit card -- you can get a credit card under 18 by piggy backing off someone else and you can get a debit card as long as you're over 16; but there is no way to get a credit card under 18 where you are the primary. Apple Pay is more akin to a credit card where you're the primary on the account.

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1 minute ago, 79wjd said:

Because Apple Pay is just a way of using an existing credit/debit card -- you can get a credit card under 18 by piggy backing off someone else and you can get a debit card as long as you're over 16. Apple Pay is more akin to a self-owned credit card account than anything else.

AFAIK if you are under 18 you need a co-signer that is over 18 for a debit card.

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Just now, KarathKasun said:

AFAIK if you are under 18 you need a co-signer that is over 18.

I think it's under 21 you need a cosigner. Under 18 you can't be a primary (at least not with most credit cards).

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1 minute ago, KarathKasun said:

AFAIK if you are under 18 you need a co-signer that is over 18 for a debit card.

Yep. 

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1 minute ago, 79wjd said:

I think it's under 21 you need a cosigner. Under 18 you can't be a primary (at least not with most credit cards).

I have had my own non-cosigned bank account with a debit card since I was 18 (in the US).

 

At 18 you are LEGALLY an adult.

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Just now, 79wjd said:

I think it's under 21 you need a cosigner.

Nope, I opened my own accounts when I was 18. Nobody had to sign but me. 

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Just now, KarathKasun said:

I have had my own non-cosigned bank account with a debit card since I was 18 (in the US).

Debit yes, credit no.

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Just now, 79wjd said:

Debit yes, credit no.

That is up to the credit provider.  My credit union, which was locked to employees of a specific company for a long time, was willing to let me have a $500 limit CC at 18.

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so when things like discover offer to teens thats with a cosign right

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1 minute ago, KarathKasun said:

That is up to the credit provider.  My credit union, which was locked to employees of a specific company for a long time, was willing to let me have a $500 limit CC at 18.

Again, over 18 it's possible to get a credit card. Not under 18.

 

1 minute ago, BurntNewt said:

so when things like discover offer to teens thats with a cosign right

Yes.

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5 minutes ago, BurntNewt said:

so when things like discover offer to teens thats with a cosign right

Nope.  As long as you make enough money, you can get a CC at 18 in the US.

You have all the rights of an adult at 18, minus alcohol in some states.

 

8 minutes ago, 79wjd said:

I think it's under 21 you need a cosigner. Under 18 you can't be a primary (at least not with most credit cards).

4 minutes ago, 79wjd said:

Again, over 18 it's possible to get a credit card. Not under 18.

That is what I was responding to.  You do not need a cosigner at 18, unless you don't have a job.

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Side note. Get a credit card co signed with your parents at like age 10 and if they never miss a payment you will have a credit score of around 800 when you turn 18 or 21

ƆԀ S₱▓Ɇ▓cs: i7 6ʇɥפᴉƎ00K (4.4ghz), Asus DeLuxe X99A II, GT҉X҉1҉0҉8҉0 Zotac Amp ExTrꍟꎭe),Si6F4Gb D???????r PlatinUm, EVGA G2 Sǝʌǝᘉ5ᙣᙍᖇᓎᙎᗅᖶt, Phanteks Enthoo Primo, 3TB WD Black, 500gb 850 Evo, H100iGeeTeeX, Windows 10, K70 R̸̢̡̭͍͕̱̭̟̩̀̀̃́̃͒̈́̈́͑̑́̆͘͜ͅG̶̦̬͊́B̸͈̝̖͗̈́, G502, HyperX Cloud 2s, Asus MX34. פN∩SW∀S 960 EVO

Just keeping this here as a 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51 minutes ago, BurntNewt said:

Any thoughts?

I am under 18.

Shooooot..

Won’t visit often..

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how do they know if someone using it is under 18 tho

 

ignoring the standard front camera surveillance oc

ASUS X470-PRO • R7 1700 4GHz • Corsair H110i GT P/P • 2x MSI RX 480 8G • Corsair DP 2x8 @3466 • EVGA 750 G2 • Corsair 730T • Crucial MX500 250GB • WD 4TB

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Just now, aezakmi said:

how do they know if someone using it is under 18 tho

 

ignoring the standard front camera surveillance oc

Because you have to provide ID.

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Just now, KarathKasun said:

Because you have to provide ID.

not that im aware of you can change the age of your apple id and get access

 

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