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The whole thread is less about his wife having a lower credit limit, and more about Apple reps not understanding the fucking algorithm. The axis doesn’t really

by WA 7y ago

The whole thread is less about his wife having a lower credit limit, and more about Apple reps not understanding the fucking algorithm. The axis doesn’t really matter. Maybe it’s gender, maybe it’s not. In any case, it should be about money, credit score, trustworthiness. Apparently, it’s not. Being a women could be one indicator. It might be "being black" for other people. There seems to be something fishy going on and Apple doesn’t even know why. Hence, there is a bias.

dkonofalski 7y ago
>There seems to be something fishy going on and Apple doesn’t even know why That seems a little silly, though, since Goldman Sachs is the bank in charge of the card and approval process. Just like Amazon doesn't know anything about the processes that are used to determine credit worthiness for their cards (that falls to Chase and Synchrony), Apple is merely licensing services from GS. On top of that, GS representatives that work in a call center aren't going to know anything about the details or inner workings of the process either. With the amount of potential abuse for such information, it feels like it would be irresponsible for those people to have access to that info. The bigger issue is that this couple had a valid complaint and had to turn to Twitter to resolve it instead of GS having some formal method of requesting the info.
- donarb 7y ago
  Although after this, I would think that this is a good opportunity for Apple to work with Goldman to better understand the algorithm and strive to make the process become more fair and transparent. Just like Apple how deals with 3rd parties making their devices where they can help enforce work and environmental rules.
  - dkonofalski 7y ago
    Definitely. And it sounds like this is exactly what's happening.
- WA 7y ago
  DHH posted about this exact thing today. Basically: who cares? It has the Apple logo on it. Apple says: "It was created by Apple, not a bank." They are responsible and nobody else is to blame if the parts they outsource fail. https://mobile.twitter.com/dhh/status/1193716881351294976 https://mobile.twitter.com/dhh/status/1193716881351294976
  - dkonofalski 7y ago
    >who cares? Apple said they weren't aware of the details surrounding the decision and had the customer (DHH) work with Goldman Sachs to determine the details of the decision. I don't think that's unreasonable and it's not like Apple just wiped their hands of it and said "We don't know, not our problem." My response was directly responding to the person that said that Apple employees didn't know why the decision was made. Apple was attempting to get an answer for their customer. Especially with credit and finance information, this isn't something that would be acceptable for a low-ranking Apple employee to discuss with the customer and, if DHH is claiming that it should be because it's "Apple's card", then I think he's full of crap.

by WA 7y ago

dkonofalski 7y ago

>There seems to be something fishy going on and Apple doesn’t even know why That seems a little silly, though, since Goldman Sachs is the bank in charge of the card and approval process. Just like Amazon doesn't know anything about the processes that are used to determine credit worthiness for their cards (that falls to Chase and Synchrony), Apple is merely licensing services from GS. On top of that, GS representatives that work in a call center aren't going to know anything about the details or inner workings of the process either. With the amount of potential abuse for such information, it feels like it would be irresponsible for those people to have access to that info. The bigger issue is that this couple had a valid complaint and had to turn to Twitter to resolve it instead of GS having some formal method of requesting the info.

donarb 7y ago
Although after this, I would think that this is a good opportunity for Apple to work with Goldman to better understand the algorithm and strive to make the process become more fair and transparent. Just like Apple how deals with 3rd parties making their devices where they can help enforce work and environmental rules.
- dkonofalski 7y ago
  Definitely. And it sounds like this is exactly what's happening.
WA 7y ago
DHH posted about this exact thing today. Basically: who cares? It has the Apple logo on it. Apple says: "It was created by Apple, not a bank." They are responsible and nobody else is to blame if the parts they outsource fail. https://mobile.twitter.com/dhh/status/1193716881351294976 https://mobile.twitter.com/dhh/status/1193716881351294976
- dkonofalski 7y ago
  >who cares? Apple said they weren't aware of the details surrounding the decision and had the customer (DHH) work with Goldman Sachs to determine the details of the decision. I don't think that's unreasonable and it's not like Apple just wiped their hands of it and said "We don't know, not our problem." My response was directly responding to the person that said that Apple employees didn't know why the decision was made. Apple was attempting to get an answer for their customer. Especially with credit and finance information, this isn't something that would be acceptable for a low-ranking Apple employee to discuss with the customer and, if DHH is claiming that it should be because it's "Apple's card", then I think he's full of crap.