The list of policies only grows: the card has also been cloned and charged with sexism in granting credit limits. Are you curious and want to understand the cases? Next, the dnetc separated five controversial situations involving the Apple Card.
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See five controversial situations involving the Apple Card Photo: Press Release / Apple
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1. Investigation for sexism
The New York State Department of Financial Services opened an investigation against Apple after the company was accused of offering far larger credit limits to men than to women with the Apple Card. The explanation for discriminatory treatment would be related to the card algorithm provided by the financial group Goldman Sachs.
Apple Card sparked controversy by granting different credit limits to men and women Photo: Divulgao / Apple
The complaint came from a tweet by software developer David Heinemeier Hansson. "The Apple Card is such a macho program. My wife and I make joint income tax returns, we live in a communal estate, and we've been married for a long time. Still, Apple's black box algorithm thinks I deserve a credit limit." 20 times bigger than hers, "Hansson said on Twitter.
It was not long before other users began to report similar situations. There are even cases where the husband has not worked for more than five years and yet has received a credit limit five times higher than that of the wife.
2. Unusual storage instructions
Apple Card: The American giant's flat-rate credit card hit the market in August Photo: Divulgao / Apple
In August, Apple became a joke on social networks after releasing a series of instructions on how to clean and store the Apple Card. The credit card, which is made of titanium, has gained a support page devoted entirely to providing guidelines for its conservation. Recommendations include avoiding the contact of the Apple Card with fabrics such as jeans and leather and not storing the product on the same partition as another card.
According to the apple company, consumers should follow the instructions so that the Apple Card does not have the surface scratched or suffer "permanent discoloration". The netizens, however, found the care excessive and mocked the sensitivity of the material. "Apple launched 'Apple Card Clothes' in 2020. $ 789," joked a Twitter user.
3. Made entirely of titanium?
During the Apple Card launch campaign, the apple company made a point of emphasizing the design clean It is a minimalist card, which is made of titanium. "A white finish obtained through a multilayer coating process that is added to the titanium base material," Apple explains in a support page dedicated solely to product preservation, where it is treated almost as a rare gem.
But is the Apple Card even made 100% titanium? To answer this question, the news agency Bloomberg He took the card to professor and mineralogist Berkeley Wenk of the University of California to investigate his composition. The answer: no. In fact, the Apple Card consists of 90% titanium. The remaining 10% is aluminum, according to the analysis.
While not displaying numbers or any additional information besides the user's name and operating all transactions from randomly generated unique codes, the Apple Card has shown that it is as susceptible to cloning as any other card. A site reader 9to5Mac, identified only as David, discovered fraudulent transactions on his Apple Card.
After receiving alerts about unauthorized purchases in several US states, he contacted the company's support and explained that he had not lost his card. In response, Apple said the situation was "very rare".
Even without presenting numbers and data in its physical version, Apple Card was cloned. Photo: Disclosure / Apple
"I don't know how this could happen. It's very rare for your card to be in two places at the same time. Since our physical cards don't have numbers, it's very difficult for anyone to copy them. After contesting the transaction, we'll request an investigation and, from there. they will try to find out how the purchase was made, "said a company representative.
Remember that, while not displaying numbers, the Apple Card still has an identifying chip and magnetic stripe elements that, with cloning machines, can easily be copied and transferred to a fake card. The guess of 9to5Mac that, most likely, David was the victim of that blow.
5. Most successful story card?
Within a few months of its release, the Apple Card has starred in a number of polemics: it was cloned, investigated for sexism and evaluated by scientists, who found that the card is not made of 100% titanium. However, according to bank CEO Goldman Sachs, Apple and Mastercard's partner in the project, these episodes did not shake the product's debut in the market.
In October, during a conference of the institution's financial results, David Solomon stated that the Apple Card had "the most successful release of a credit card in history. Despite the enthusiastic statement, the executive did not share specific numbers about the adoption of the credit card. Apple Card among consumers, neither released financial results.
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