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Good. They should shut down the whole Apple Card program. It was awful. I had an Apple card for two months. In those two months, I had more inexplicably declin

Good. They should shut down the whole Apple Card program. It was awful. I had an Apple card for two months. In those two months, I had more inexplicably declined transactions than in the other twenty years with other cards combined. Every single time I called support and Goldman Sachs pointed at Apple and Apple pointed at Goldman Sachs and the problem never got resolved. They both did an astonishingly bad job.

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tristanb 3y ago
I replied to your other comment - I've not had this experience. Its been a rarely positive fintech experience for me.
herpdyderp 3y ago
I had some issues at launch with the service rejecting billing addresses but that was ironed out in the first month or so. Since then it's been flawless for me. Way better than all of my other banking services.
- jkubicek 3y ago
  Same. I do occasionally get weird declines, but it's pretty rare. My Apple Card is the only one I reliably use and I've used it thousands of times since 2019, so I've got a pretty solid hit rate.
themadturk 3y ago
Though my use has been fairly limited (Apple isn't inclined to decline their own card), I've never had a problem with the Apple card, either at my Toyota dealership or at Walmart.
reilly3000 3y ago
I faced random declines at some merchants. It was like certain terminals couldn’t process it. They worked fine with Apple Pay with other accounts. Ace Hardware was one of them, but it eventually started working when there was a 3% cash back promotion.
- krallja 3y ago
  Ace Hardware’s POS didn’t work with _any_ NFC EMV cards for a while, not just Apple Pay / Apple Card.
- vehemenz 3y ago
  I've only had problems with the Apple Pay integration on Pizza Hut's website, of all things.
fastball 3y ago
I've never had a decline on the Apple Card and I don't even live in the US.
mantra2 3y ago
I’ve exclusively used my Apple Card since launch and never had a problem. I used the virtual card for most of my services and everything else is Apple Pay. Been a great experience. I’ve got a hell of a lot more cash back than I got out of my AMEX card, the annual fee made a good chunk of it a wash.

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tristanb 3y ago

I replied to your other comment - I've not had this experience. Its been a rarely positive fintech experience for me.

herpdyderp 3y ago

I had some issues at launch with the service rejecting billing addresses but that was ironed out in the first month or so. Since then it's been flawless for me. Way better than all of my other banking services.

jkubicek 3y ago
Same. I do occasionally get weird declines, but it's pretty rare. My Apple Card is the only one I reliably use and I've used it thousands of times since 2019, so I've got a pretty solid hit rate.

themadturk 3y ago

Though my use has been fairly limited (Apple isn't inclined to decline their own card), I've never had a problem with the Apple card, either at my Toyota dealership or at Walmart.

reilly3000 3y ago

I faced random declines at some merchants. It was like certain terminals couldn’t process it. They worked fine with Apple Pay with other accounts. Ace Hardware was one of them, but it eventually started working when there was a 3% cash back promotion.

krallja 3y ago
Ace Hardware’s POS didn’t work with _any_ NFC EMV cards for a while, not just Apple Pay / Apple Card.
vehemenz 3y ago
I've only had problems with the Apple Pay integration on Pizza Hut's website, of all things.

fastball 3y ago

I've never had a decline on the Apple Card and I don't even live in the US.

mantra2 3y ago

I’ve exclusively used my Apple Card since launch and never had a problem. I used the virtual card for most of my services and everything else is Apple Pay. Been a great experience. I’ve got a hell of a lot more cash back than I got out of my AMEX card, the annual fee made a good chunk of it a wash.