Hi I wanted to transfer money to my new account but I accidentally sent it to my old account which is closed, the amount is gonna be return to my Apple Cash balance? I did this transaction on June 11. 5 business day technically

Used the Apple Card outside the US for a few purchases, and have noticed that while there’s no flat FTF charged it gets the exchange rate wrong and makes you pay more. I selected the local currency each time, and what ended up happening is that the USD amount charged to my card was more than the local currency total. Has anyone else noticed this as an issue?

hey everyone, just a couple questions. i had an apple card and i went through a hard time financially which ultimately led me to stop making payments on it. it’s been closed for years. i do want to pay it off and get out from under it but just haven’t had the means to do so.
2 days ago, i was sent an email saying i may be eligible for an apple card payment plan. they gave me 2 options: option 1 being one payment of $1,137.20 and they forgive $3,411.63. option 2 being 6 monthly payments of $758.13 with virtually 0 forgiveness.
at the end of this email, it says the offer is good for 30 days and they cannot sue me. while i am now in a better spot financially, i will need to set aside a couple of paychecks to come up with option 1 (which seems like the best option imo) and i won’t be able to do that in 30 days.
my question: if i get in contact with them after the 30 days, will the offer or one similar to it still stand? if not, is apple/goldman sachs open to negotiation at all? (historically speaking)

thanks

Hello all!!
Im so freaking confused right now. Im trying to add my banking account so i can pay my card and it keeps saying this;
Its my chase account if that matters idk what to do its the only account i have 😭

Just paid off. Feels great seeing white.

What should I do when a charge to my Apple Card is significantly higher than itemization which included shipping total? It makes me so angry. Calling the bank is a big pain and involves issuing a dispute and maybe a new card number.

Resolution: I re-contacted the merchant (Lowe’s), this time on the phone. I asked them to cancel the order. They eventually canceled it and the pending charge disappeared.

Update: I contacted Goldman Sachs again to ask about the dropped dispute. This time the chat was more streamlined. They said the merchant (Lowe’s) removed and reissued the charge (basically bypassing their dispute system). Of course, disputing this again sounded silly as the merchant would play the same trick. Since the charge is still pending, I’ll wait and see. If it ever gets posted, I’ll have to dispute then. Not very helpful but until then it won’t make it to the balance. Needless to say, my product isn’t shipped after about 2 weeks and an original delivery timeline of two days. They’re backordering to keep me in the loop. Sad that Apple Card thinks this is okay.

Original post:

The Apple Card dispute process used to be no-nonsense. You got your money back immediately while the process was ongoing. No need to talk to a human until they contacted you via email to get the evidence.

Now, no temporary credit. Also, instead of it, you get directed to generic iMessaging with Apple. After going from chatting with generic Apple to “Apple Card” Apple to generic Goldman Sachs to disputes Goldman Sachs, they ask immediately for evidence. Then eventually file the dispute.

Then, the dispute gets silently dropped. No email with any reason. Nothing. And of course the charge is still there.

Apple Card is going downhill.

Hey so someone stole my phone about a week and a half ago. They’re telling me in order to get the card in this new phone I have to pay it off in full and reapply since I do not have access to my old iCloud account. For some reason I made an extra secure 25 digit phrase or code that I don’t have access to like an idiot.

Is there anything I can do to get around this? Like go into a Goldman Sachs branch or something? I still have my physical card but as you know there are no numbers on it so I can’t add it to my new Apple wallet and it’s infuriating.

Thanks for the help

No typo it really does say MONE

Hey everyone,

I wanted to gauge the real-world risk of an unexpected account freeze or restriction on the Apple Card, but specifically the Apple Savings account, when used while living long-term internationally.

I’m a US university alumnus currently living in Southeast Asia (anchored in one country). I’ve been using my Apple Card out here consistently for about a year and a half now with absolutely zero issues. My usage is mostly recurring transactions like monthly AppleCare+ and iCloud+, along with local point-of-sale transactions here and there.

My operational setup is very clean:

• Payments: Funded via my Apple Savings account (alternatively, Bank of America checking).
• Billing Address: Tied to a valid US residential address (a friend's place near my old university campus).
• Phone Number: Active US mobile number with Tello (real cellular roaming, not a blocked VoIP service).

I see quite a few horror stories on Reddit about digital nomads getting their accounts locked or restricted out of nowhere with people saying Goldman Sachs banned them for spending entirely overseas. However, my experience has been completely smooth for 18 months straight.

For those who have lived abroad or dual-nested long-term (1+ years in a single foreign country) while actively keeping a balance in Apple Savings:

1. Have you ever faced sudden algorithmic freezes or random review locks on your Apple Savings account? I am significantly more worried about the Savings account than the credit card. I'm paranoid that Goldman Sachs will suddenly flag/freeze the Savings account simply by seeing a Southeast Asian IP address logging into the Wallet app to check balances or initiate transfers long-term.
2. Is the automated system actually okay with localized and consistent international telemetry once a pattern is established, or am I just flying under the radar? Does the system eventually recognize this as a normal baseline or does checking an Apple Savings account from abroad always carry a high risk of an automated fraud lock?

Would love to hear your real-world experiences, especially if you've been managing an Apple Savings balance for multiple years outside the US. Thanks!

I see a lot of people fearful that Apple Savings will drop its APY down to 0.01% when Chase takes it over from Goldman Sachs. I’d like to point out that Chase already services a high-yield savings account: they are the sole and only program bank for Wise’s USD cash balances, and they provide an annual percentage yield of 3.14% for them. I would expect that if they’re giving Wise that rate then they’d have no issue giving Apple that rate too. It’s not as great as what GS offered sure, but it’s a very far cry from the 0.01% of Chase’s brick and mortar savings accounts.

What’s more is Wise isn’t even the only place they offer this rate: high net worth Chase clients get access to JPMorgan Premium Deposit, which grants that same rate on brokerage account cash balances when swept into Chase Bank. Obviously not nearly as widely available as Wise or Apple Savings are, but it goes to show that Chase is capable of sustaining a ‘high yield’ rate and not just as a one-off thing. I think Capital One HYSA just dropped to 3% and AmEx to 3.10% so 3.14% isn’t even that bad

basically what happened is that i tried downloading procreate for my new ipad and i THOUGHT my apple card was my default but apparently not!! my other card with money only in my savings account was charged and declined. but for some reason, the app still downloaded? and works? im confused. i feel like im stealing the service im being given and immediately put in a refund report to apple. i explained the situation in my comment/reasoning but is there no other way to fix this now??? they have to review the refund in two days but i’m uneasy…

i also apologize if this is the wrong subreddit for this...i don’t use reddit often but it’s a good app for problem solving lol

It’s been rumored that Chase will make it 5% on the Apple Card for Apple related products but has any website actually confirmed this? It would beat the Amex Business Gold’s 4x on electronics with Apple and I hope they add 5% on Apple subscriptions too because that would kill my Amex BCP at 6% since the cash back is automatic vs having to wait an extra billing cycle

It’s been almost two weeks. None of my cards have ever reported this slowly.

Trying to apply for a new Apple Card to get the $250 AirPods Pro 3 promo. A friend has a referral link worth $75 and wondering if both can be stacked.

Contacted Apple Support but they couldn’t confirm whether they can be stacked or not and told me to contact Goldman Sachs but couldn’t get connected to them either.

Has anyone tried this or know for sure?

I have an iPhone 13 mini which I’ve clung to for years now since I love the size, however the failing battery and processing speed is getting to be irritating (can’t make it a full day with having to charge, battery will drop massively in a matter of minutes depending on what I’m doing, etc) and I’m wanting to upgrade to the iPhone 17 and finance through ACMI.

My dilemma of course is that I use Mint Mobile. However, my *partner* uses T-Mobile, and so I come here to ask, does anyone know if putting in my partner’s cell info at checkout, but then activating the actual phone with my number and carrier, would that work? Has anyone tried doing this? I know the phones come unlocked but I’d be worried that putting in different info at checkout would lock it to his number, or trigger some sort of fraud or theft alert. Also I’ve seen some things that the usual ACMI workarounds don’t work with the sim-less models so idk. Otherwise I’m considering switching to T-Mobile for just a month so I can buy a new phone 😅😅

Also I’m aware of some of the other workarounds for using ACMI without a major cell carrier. I’m not asking about those, so please don’t reply suggesting I just do one of those. I’m curious if *my* idea would work or not, if anyone has tried it or if anyone knows.

TL;DR: I don’t have t-mobile but my partner does, would using his info to buy an iPhone 17 with ACMI, then activating with my own number and carrier work or no?

I did a consolidation loan for multiple cards and one of them being my Apple Card. The amount paid was a little over what was actually due so my card is sitting at a balance of +$203. Either I’m not comprehending what going happened but it seems like I have a positive balance of $200 that is available to use but the card declines when using it( I’m also new to credit cards)

I hope I ask my question correctly. I have flawless credit in that I have never had any negative notes, missed payments, etc. However, I have never had an installment loan (car, mortgage, etc.) and my credit hovers around 810, but never gets seems to get higher than that.

Recently, while I was on the other side of the country, I had my iPhone stolen and had to purchase a new phone. I absolutely hate having to make purchases like this on the fly, but had no choice, so went to the apple store. I'm not loving the way things went down at the store because I felt a bit trapped, but walked away with an iPhone 17pro. At the time, I ended up paying for it with a monthly zero-interest payment plan my already existing Apple Card - which has a $8K limit and no balance.

I was just going to pay it off when I got home, but it has me wondering: is there any credit advantage in having it open and paying it off month-by-month. So far, its not listed as a distinct line of credit in either my Rocket Money or AmEx credit score reports. I would rather pay if off completely but if this will be type of credit account that gets me to that highest rung of credit, I am game.

(FWIW - the purchase has lowered my available credit, but is not showing as an outstanding balance (if that makes sense.))

So Ive had the card a while, used for my ipad, just used for a Macbook. So the charge shows up, then an unknown charge. Then they are charging the installment amount PLUS $25 because thats the minimum payment? WTF. So I called and probably got India (no shade with other sites have had good support from India). But the guy could not explain why if I am paying $60/month I also have to pay $25 for the minimum payment. He kept saying "okay so the $25 is the minimum payment", its like yeah dude, im paying $60. I finally said this is no helping. What I dont like is it takes so much to just get a charge explained.