[FireBeyond]

Your emphasis is wrong. This is more accurate:

> I'll tell you what makes _me_ certain

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.

[Bud]

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.