I've had the Apple Card for about 9 months and for the most part it's been a pretty seamless experience.
Early in October, I manually scheduled the payment of my September Amount Due via the Wallet app. I used the "payment wheel" to confirm the amount, just as I had many times before. The payment was due to go today, October 29. It was for about $800.
A cardholder cannot pay Apple Card from their bank's Bill Pay-- Goldman/Apple requires your checking account information to pull the payment at the scheduled time.
This morning I received notifications on my phone that there were two payment transactions attempted by Goldman/Apple, one in the amount of about $1600-- over twice the amount that I had scheduled (and well beyond the total outstanding amount on the card) and a second payment transaction for about $100.
I called Apple Card Support and spoke to an agent, who reversed both payment attempts. Then (after 30 minutes of back-and-forth on-hold) she suggested that I had may have entered the wrong amount in the payment wheel for what was supposed to go today. I explained that according to my notes, I only scheduled the amount due for September (~$800) in a single payment.
I then said, "assuming you're correct and I did enter the wrong amount of $1600: can you explain why there was a second attempt by Goldman/Apple to get payment for a completely different amount when I did not initiate it?"
The agent could neither explain why the second payment was attempted nor whether it shows to have been requested by me or initiated by Goldman.
I was back and forth on hold for another 30 minutes, and in the end all she could say was "going forward, use the keypad on the app to enter the amount." Still no explanation for the second payment attempt.
At this point, I told the agent to close the account. The fact that Goldman/Apple could not explain any of this gave me a level of discomfort that I cannot abide.
The cash back percentage on this card is not worth it to me, and I never revolve payments. Goldman/Apple should allow a cardholder to initiate a payment from their checking account's Bill Pay, which would add clarity into which payments are initiated and by whom.
I am going to stick with credit products issued by companies that have experience with retail banking.
Early in October, I manually scheduled the payment of my September Amount Due via the Wallet app. I used the "payment wheel" to confirm the amount, just as I had many times before. The payment was due to go today, October 29. It was for about $800.
A cardholder cannot pay Apple Card from their bank's Bill Pay-- Goldman/Apple requires your checking account information to pull the payment at the scheduled time.
This morning I received notifications on my phone that there were two payment transactions attempted by Goldman/Apple, one in the amount of about $1600-- over twice the amount that I had scheduled (and well beyond the total outstanding amount on the card) and a second payment transaction for about $100.
I called Apple Card Support and spoke to an agent, who reversed both payment attempts. Then (after 30 minutes of back-and-forth on-hold) she suggested that I had may have entered the wrong amount in the payment wheel for what was supposed to go today. I explained that according to my notes, I only scheduled the amount due for September (~$800) in a single payment.
I then said, "assuming you're correct and I did enter the wrong amount of $1600: can you explain why there was a second attempt by Goldman/Apple to get payment for a completely different amount when I did not initiate it?"
The agent could neither explain why the second payment was attempted nor whether it shows to have been requested by me or initiated by Goldman.
I was back and forth on hold for another 30 minutes, and in the end all she could say was "going forward, use the keypad on the app to enter the amount." Still no explanation for the second payment attempt.
At this point, I told the agent to close the account. The fact that Goldman/Apple could not explain any of this gave me a level of discomfort that I cannot abide.
The cash back percentage on this card is not worth it to me, and I never revolve payments. Goldman/Apple should allow a cardholder to initiate a payment from their checking account's Bill Pay, which would add clarity into which payments are initiated and by whom.
I am going to stick with credit products issued by companies that have experience with retail banking.
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