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Issues with IPhone Apple Card purchases
Not certain what your experience has been, but I purchased an iPhone through Apple Card during their Black Friday event.
The site states you will be billed monthly for your phone purchase at 0 percent interest, however after buying the phone, the full amount of the phone was placed on my Apple Card — resulting in a $700 negative impact on my credit rating.
I called Apple about the issue, and was told that’s just how it works, and my credit score would be negatively impacted for the length of the loan as a result.
So I asked if I could be forwarded to a Goldman Sachs representative — who underwrites the loans for Apple.
The representative was very courteous and thoughtful, and explained that was simply how these loans are processed, so I figured I was screwed, and would either have to take a huge hit on my credit score for two years
— or pay the loan off early.
A few hours later, I checked my Apple Card balance and the amount of the new iPhone purchase miraculously disappeared.
I don’t know if I just got lucky, or if Apple and Apple Card are somehow lost and need a gentle push to do what’s right.
Sharing of your experiences would be greatly appreciated.