Also, and I'd guess this a key thing, is that if you're using an Apple credit card, your cash-bask rebates are auto-deposited into the Apple Savings account. Si

Also, and I'd guess this a key thing, is that if you're using an Apple credit card, your cash-bask rebates are auto-deposited into the Apple Savings account. Since GS is the issuer is the card, they're keeping that money instead of paying it out to you.