I've had Apple Card since day one. I'll tell you what makes me certain that this is not intentional and is in fact not even happening as the user is implying:
-Apple and Goldman Sachs' service with Apple Card has been exemplary in every detail
-Apple went out of its way throughout the early months of covid to let users skip payments for any reason. No extra interest charges
-Apple Card doesn't even have any late fees, or annual fees, or fees of any kind. And the app for the card goes out of its way to keep you from paying any unnecessary interest charges
-This sort of punitive action just does not jibe with the entire nature of the product or Apple's service in general
And you're now accusing someone of being dishonest due to lack of evidence based on your anecdotal experience, also absent evidence.
> Apple and Goldman Sachs' service with Apple Card has been exemplary in every detail
So that makes it "certainly" not possible that someone can have a sub-par customer sevice interaction?
> Apple Card doesn't even have any late fees
You're right. Good for them. They absolutely will charge you "additional interest" on top of your current APR for any late fees, however. That gets the same net effect, while providing a nice little soundbite.
I didn't accuse anyone of being dishonest; you should probably retract that.
Also, since you seem so very certain about this, I offered 10-1 odds on $100 elsewhere in the thread if it's proven Apple is doing this intentionally as a policy. Nobody took me up on it. Would you like to? Easy money, if you're right.