[jyl]

Hey, I stuck with my 4S until now . . . the 5 and 5S were not enough to get me to upgrade.

But Apple Pay/NFC is really attractive to me, assuming enough merchant adoption, given my multiple debit card fraud experiences this year (and one of my credit cards was hacked too).

And now Home Depot admits to the biggest credit card theft ever, which went on for 5 months undetected, some 60 million customers, and Home Depot is merely going to offer "credit monitoring" to the affected.

Retailers are being negligent or worse with our customer data. You think if Home Depot spent $100 million on fraud and intrusion detection systems they couldn't have prevented or greatly limited this theft? Sure they could. And $100 million is what percent of its $100 billion annual sales?

I'm so pissed, I'm going to start using cash and paper checks again. But that's inconvenient - if Apple Pay or a similar system works, I'm mucho interested.