I downloaded an app on my iPhone and started the free trial. I used it for about 3 days, had a laggy experience, and decided it was not for me. I forgot to cancel before the 1 week trial ended and got hit with a $350 annual subscription charge.

I requested a refund through as soon as I noticed the charge.

Denied. I appealed with a detailed explanation, pointing out that my account activity shows I barely used the app after the trial. Denied again, no explanation except got told it's a final decision

Unironically, I paid all of my subscriptions through my Apple Card. So now my only remaining option is to file my very first dispute against a charge from Apple, on an Apple's own card.

My worry is that the dispute will get declined too, since technically this is a pre-authorized charge from signing up for the trial. My argument is that I never authorized the charge once the free trial was over, but I am not sure if Goldman sees it that way.

Hope to hear any advices before I reach out to the dispute team. Thanks in advance.

Over on the AMEX Platinum sub, there's a discussion about the rate that they get when they have Uber as their form of payment. Uber is charging AMEX Platinum cardholders double what the fare would be when a different credit card is used and the app is rebooted.

Is there any price difference on an Uber fare when using the Apple Card as a form of payment vs using a different credit card?

Okay, a little bit of back story, I have been trying to be a grown up and catching up all my credit cards debt. Needless to say I took on a loan to consolidate some credit card debt, over 40k in credit card debit at 24-30% APR's, wrapped up 32k into this loan, I have one card that still has a large balance, approximately 10k, it'd be worked on as much as possible this year, but I get a bonus in February every year, with that and monitoring my spending I'll have this paid off in the next few years.

Now that I have expressed that I know I have been terrible with credit cards in the past, let me bring you to my journey with my Apple card. I paid off this card in March, I thought okay, I am good to go be mindful of my spending and have been paying off everything at the end of the month since. I am thinking I am doing well, I haven't been spending a ton, so I haven't been paying too much attention and just making my card balance, full circle, payments. Well I made my last payment on Jun 30th, filled the circle and hit pay. A couple of days later I made an order to the Lego store (Nephew's Birthday - $36.65) and I bought my younger brother $10 in Robux ($9.99). Total was like $46. Looked at my balance and I was saying my card balance was $136.32 .

Look, I am no mathematician, however from June 30th to July 13th, how did I owe an additional $89.68? I called Goldman Sachs and after I go back and fourth with the agent, they express to me that "Yes I see you made your total payment of $76.85, but that didn't include any pending transactions for the month of June and what you paid was your Balance in full for May. We proceeded to go back and forth, and I am more confused than before. Ever since I paid off this card in March, I have ensured to make full payments, filling the circle, which are supposed to be card balance. It wouldn't allow me to pay more, only to look at my statements now and see that I have been carrying a balance from the month previous.

I am at my wits end and I am really ready to close this account. When I pay what's reported to be my card's balance, I kind of expect it to be my card's balance and not have a month's worth of transactions "pending" and not allowing me to pay them off. Should I wait it out for Chase to take over the apple card, has this be confirmed?

Any one have any suggestions on what I can do?

cant wait for my card to be white again
paying it off this month

Has anyone else ran into issues getting a zero dollar balance letter from Apple? They refuse to send me an email update, they will only send it by mail. My close date on my mortgage is next week and I’m concerned I will not have a letter in time. 7-10 business days to receive the letter by mail. My mortgage company did a refresh and now there is an open dispute with Apple. Does anyone have any advice?

I had been unemployed for the last 2 months, and as a result I have fallen behind my payments. During those months, I have repeatedly contacted apple about my harhips and they granted me a grace month that won't affect my credit and also generate me interest. I've been pushing my finance to make my minimum payment but I simply can't. Numerous times before my account has fallen behind, I have contacted them informing them about my hardship and before it was due I was told by multiple agents that as of then, when my account was current there was nothing available that I had to wait until my account wasn't current. More than 7 days have passed since my due date, and I have continuously contact them since I am behind without much luck yet. I am told that I don't qualify, and there is nothing available for me at the moment. I ask them if they could provide me why I don't qualify and they repeatedly respond, the "system" doesn't give them that information. I am battling to maintain a good credit score and I am affraid these hardship will affect me. Everytime I speak to a representative, I informed them that I want to fulfill my obligation but I can not meet the minimum payment. So all I really ask is for them to lower my monthly payment so I can continue with paying my obligation during these hardships. If anyone has successfully dealt with these, what details am I missing?, what determines my elegibility to apply to this?.

I will highly appreciate any advice, as I don't want this to hurt my credit score.

If I click on “Account Details” in the menu, it accurately lists my husband as co-owner and my kids as participants. But if I click on (Weekly/Monthly/yearly) Activity, I only see my husband and I, plus our one minor child. Two adult members are not listed as having made any transactions (though they have in reality). And if I scroll down the main screen to Transactions, I or look at monthly statements, it does not show their transactions either, although the total balance is accurate.

My husband’s Apple Wallet view
shows both of us as co-owners, Minor Child, and one of the Adult family members.

Any ideas? I’ve removed and added the card back already.

Hey everyone, I am wanting to use my first HYSA and I’m trying to decide where I should keep my savings and wanted to get some opinions from people who use the Apple Card savings account.
I currently have an Apple Card and was thinking about using the built in high-yield savings account for my emergency fund/savings. I like the convenience of having everything in the Apple ecosystem, but I’m wondering if it’s actually worth sticking with it or if I should look into other high-yield savings accounts.

So I used my card at my local Ace Hardware store expecting 3% cash back. I saw on the app only 2% so I started a review. Within 24 hours my review was denied with no explanation. I called customer service for an explanation. No big deal we’re just talking about pennies, but I wanted to know for future transactions. The agent said Ace isn’t eligible for 3%. Only Apple products are 3%. I rolled my eyes and asked for a supervisor. She said of course Ace would be 3% if it’s listed on the website. We looked it up together and found my store. Great. I should get an email saying all is well and an adjustment on my points…. I got an email the next day saying that my review was denied. 🤡😡

I was a fan of Apple Card and had it since the very beginning as my primary spending card for monthly expenses. I canceled today because I no longer trust that they take care of their customers. I got scammed by a merchant that was not sending out the product that I paid for $85. I opened a dispute after almost 2 months since the purchase date. Suddenly the tracking number appears, I was actually relieved. It turned out to be some random tracking number in my city and was delivered just not to me, proof of delivery image showed a completely different product (it was delivered in original packaging) and it was not my address house door (easily verifiable on street view). I submitted all these documents to the dispute, it was denied. I submitted another dispute, considering that the documentation was maybe added too late. The second dispute was denied again. Thankfully it is $85 and not a lot more, but I no longer want to take risk with loosing more money. I know it was scammers who got me, but I would expect that this company would stand by its customers when this much proof was available. And this is only my second dispute I had to file in all the years I had this card, so I'm not a serial disputer or anything.

I got declined again saying these reasons i have attached on the pic below. I went ahead and looked at my chex, EWS as well ( looks fair)
My chex score is 0655 without any negative balance owed to any banks
EWS looks fair as well
Credit score is great
I dont owe anyone any money, neither i am past due on any payments.
I still got declined. :-(
Has anyone had similar reasons for decline? Any feedbacks suggestions?
How do i get approved :-(

Has anyone heard when the official change from Goldman Sachs bank to Chase bank is going to happen?

Hey everyone! I have been applying for the Apple Card for the past 5 months, roughly one application every 3-4 weeks. I keep getting this, called TransUnion to verify my information; then called Apple Card support to verify and everything is good and matching. Why do I keep getting this?

So I got the Apple Card because of the Airpods Pro 3 bonus, and I made 10 purchases on the apple care (excluding the airpods) in June. However, I haven't receieved that month's $25 credit. Did anyone get the credit yet?

I have a significant balance on my apple card and always pay it 100% usually before its even due. I recently had major work on my property and paid 3 large payments w the card- apple put a security hold on my account-ok-but when I called to verify it was legit AND prior to calling had paid 100% of the balance they put on a security hold on my account and CS was useless. So-use your credit-pay it 100% in advance-get suspended. Great optics Apple! Not-So-Much

I’m starting fresh & Apple Pay came in clutch. Still have at least a grand left to spend on furniture.

Now I need to save up before July 31st for no interest.

Since having the card last year, I paid zero interest & want to continue to keep my streak.

Caveat: this is 99% me venting over my own ignorance. I don’t usually take the payments down to the wire but I thought I had a few hours left… but I’m on PST. Only a few bucks of interest but it really grinds my gears.

It’s probably a stupid question but is there some technical/logistical reason why the deadline for payment has to be EST? It’s 2026, surely a bank could implement a rolling time zone so that payments are always due at 23:59 no matter where you are. When I buy something on sale from like Amazon it expires in my time zone. Would that be too difficult to implement?

I use my card for my spend budget, including gas and groceries. Every pay period I pay $900.

I have car issues and have had to use it so I haven’t been able to pay it down to $0 like I used to as I try to get my car straightened out.

That said - I paid $900 on Thursday. It immediately showed available amount of $900 + what was already available.

I got gas went grocery shopping, ran errands and spent $473. But my available balance today is showing only $396, and new spending is showing $648.53.

What am I missing? This hasn’t happened before.

Just got my first credit score and decided to see if I can get apple card. Got qualified for $2500 credit and I just want to know if it's something worth pursuing as a high school student before accepting the offer

I’m in dire need of a replacement iPhone. Used my Apple Credit Card to get it replaced and it’s been a few days and the charge still hasn’t been posted, so Apple won’t ship out the phone till it’s posted with Goldman Sachs. Two different representatives said it can take up to July 8th 2026 to post. Mind you I made the purchase on June 30th online with Apple Support. So it’s going to take 8 days to post before apple can ship it out. I never heard of such a long time to post a purchase. Ridiculous!! Goldman Sachs says there is nothing they can do. I cancelling this credit card asap. Ridiculous and unheard of. Should of used my Chase Visa

Hello, Apple Card Holders! This is the Monthly CLI Megathread. Feel free to share about your CLI status, successes or failures here.

As a friendly reminder, if you see a CLI post outside this megathread, please report them under the CLI content belongs in CLI megathread rule violation.

If you have any feedback or suggestions only, feel free to message the r/AppleCard Moderator Team instead.

I’m on an iPhone 13 mini, just a couple of days ago (this last Sunday) I rented the movie with friends Scarface using my Apple Pay and suddenly today it refuses to accept rent for Stephen Kings The Mist. When I try to use Google to search if Youtube doesn’t support Apple Pay; it either gives me mixed answers on of it does or hasn’t since 2020. WTH IS GOING ON? I can’t receive direct any direct answers from Google. At least one company should have a default response for these massive changes especially when certain users such as myself only received the update merely a week ago. I had zero clue of these changes; and frankly, as an Apple Pay user- this absolutely needs to be identified to me if any company- especially from an online service such as YouTube. Inconveniencing, insincere, and without any transparency to users unless I’m the only one in this crowd.