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Capital One, for example, automatically adds and activates your card for Apple Pay after you accept your terms and conditions.Citibank, however, requires an activation code; to get it, the bank will robo-call or text the number you have on file.She managed to do that much, but when the activation process asked her to create an Apple ID and give a credit card number, she refused to proceed.I can't imagine that she would even buy an app, or music, or a book.Note: Apple Pay's photo-detection only works on with embossed numbers; if you have a credit or debit card with flat numbers, you'll have to enter it manually.Different banks have different procedures when it comes to authorizing cards for Apple Pay.

There is a 21-day, interest-free grace period on the card from the date the monthly statement is mailed or from the date it is made available in electronic format to settle the account without paying credit charges.The following items cannot be financed: The Source Gift Cards, all prepaid cards (i Tunes, Xbox, etc.), prepaid airtime cards, gaming consoles, gaming software, all Apple products, Kinect accessories, mobile phone plans and security deposits.*Subject to Fédération des caisses Desjardins du Québec (“the Federation”) approval. ** All annual interest rates indicated are subject to change.You can follow Apple's support documentation on how to setup an i Tunes account without a credit card.You can use a Mac to make a free account that works on i OS and i OS to make a free account that works on Mac.




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