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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 respons

• 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.