What Happened to the Apple Card?

How Gender Bias Led to the Scrutiny of the Apple Card

Terence Shin, MSc, MBA
6 min readJun 26, 2020
Photo by MARK S. on Unsplash

Table of Content

  1. Revolutionizing the Credit Card Industry
  2. The Apple Ecosystem
  3. So Where Does the Apple Card Fit In?
  4. Where the Apple Card Went Wrong
  5. What can we learn from this?

Revolutionizing the Credit Card Industry

Imagine a world where credit cards had no hidden fees, where they didn’t have ridiculous interest rates, where they encouraged you to develop healthy spending habits…

No longer did you have to imagine as of last year when the Apple card was released.

What is the Apple Card?

The Apple Card is a smart credit card that leverages Apple’s technology and was designed to be used synonymously with Apple Pay and Apple devices. In essence, the Apple Card aspired to be everything that a normal credit card wasn’t:

  • It aimed to maximize transparency into your spending habits by providing periodic spending summaries, letting you pinpoint specifically where your transactions were made, and by giving you the ability to filter your transactions by categories.

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Terence Shin, MSc, MBA
Terence Shin, MSc, MBA

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