Getting a credit card usually is pretty easy though unless you have a recent bankruptcy, in which case you need a secured card to work your way back up the cred

Getting a credit card usually is pretty easy though unless you have a recent bankruptcy, in which case you need a secured card to work your way back up the credit ladder. An 18 year old with no credit history can generally get a very low limit card (my first as such, in the 90’s, was $500 limit) Makes me think their screening process for Apple cards was awful from the start. Either that or all the banks are seeing higher defaults right now (inflation etc) but GS doesn’t have a deep enough consumer base for profitable customers to cover things. Or GS got into an area of finance they didn’t understand well enough to do it right.