Chip Lupo, Credit Card Writer
@CLoop
The biggest disadvantage of the Apple Card is that it is available to people with at least good credit, which means the average person may struggle to qualify. There are a few other disadvantages of the Apple Card to be aware of, too.
Apple Card Disadvantages
- Requires high credit scores: The Apple Card requires good credit for approval.
- High APR: The Apple Card has a relatively high APR, at 17.49% - 27.74% (V).
- No balance transfers allowed
In addition, there are plenty of potential disadvantages applicable to all or most credit cards. Some examples are the hard credit pull that usually happens when you apply, interest charged on balances that are carried from month to month, and the potential to overspend.
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Matthew Mancini, Member
@oldplank
Apple Card has been sued by CFPB Consumer Financial Protection Bureau and a federal
Judge ordered Apple and Goldman a sachs 89 million in damages pertaining to mishandled disputes with customers. Often when there are fraudulent transactions and disputes Apple Card has stuck the bill to their card holders after misrepresenting them. Often not even looking at their claims and then at the end of the 90 days provional
Time reversing the transaction forcing the card
Older to pay the fraudulent transaction with out even looking at the evidences. I recommend other credit cards.
People also ask
How can I log in to Apple Card account online?
You can log in to your Apple Card account by going to the login page on the Apple website or Wallet App and entering your username and password in the appropriate fields. Then, click the “Sign In” to access your online account.
How to Register for Online Access on your Apple Card Account
- Register your Apple Card for online account access. Click “Don't have an Apple ID? Create yours now” and enter your name, date of birth,...
How can I pay my Apple Credit Card?
You can make an Apple Card payment online, by phone, through the Marcus by Goldman Sachs mobile app or by mail. To pay an Apple Card bill online, log in to your online account and click on "Payments." Then, choose how much to pay, when to pay it, and where the payment is coming from. Marcus by Goldman Sachs does allow cardholders to set up automatic payments, too.
Ways to Make an Apple Card Payment
- Online. Log in...
How can I talk to Apple Card customer service?
To talk to Apple Card customer service, call (877) 255-5923 and then follow the instructions from the automated menu. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Apple Card Customer Service by Phone
- Call the Apple Card customer service department. You can even use the number on the back of your card.
- Follow the...
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