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Library/Product/Apple Card
Grade A24 sourcesHIS-01725

Apple Card

Product · 2019

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A credit-limit complaint about Apple Card prompted a New York probe in 2019.

Marques Brownlee

@MKBHD · Aug 9, 2019

NEW VIDEO - Apple Card Unboxing & Impressions! youtu.be/lj7kFBz-jw4 - RT!

7.8K155
Post · @MKBHD on X

DHH

@dhh · Nov 7, 2019

The @AppleCard is such a fucking sexist program. My wife and I filed joint tax returns, live in a community-property state, and have been married for a long time. Yet Apple’s black box algorithm thinks I deserve 20x the credit limit she does. No appeals work.

20.9K1K
Post · @dhh on X

Steve Wozniak

@stevewoz · Nov 10, 2019

The same thing happened to us. I got 10x the credit limit. We have no separate bank or credit card accounts or any separate assets. Hard to get to a human for a correction though. It's big tech in 2019.

3K98
Post · @stevewoz on X
Official launch photograph of Apple Card in the iPhone Wallet interface.
Apple
Photograph of a physical Apple Card on Wikimedia Commons, licensed CC BY-SA 4.0.
Rberchie / CC BY-SA 4.0 / Wikimedia Commons
Example of physical Apple Card .
Apple Inc. / Public domain / Wikimedia Commons
NEW VIDEO - Apple Card Unboxing & Impressions! - RT!
@MKBHD on X
Apple Card
TIME

Spread Score

How it works
Reach31Contagion35Breadth80Velocity12Longevity7646

Numbers

Apple.com paid-search impressions since launch; Adthena estimate
655K
As of Oct 20, 2019 · Open web · Adthena
Observed peak date
Week of Sep 5, 2019
Aug 6 ’19 to Week of Sep 5, 2019
Platforms
5
Started on Open web
Origin
Mixed
Finance

Mechanics

  • ControversyPrimary
  • Platform jump
  • Press loop
  • Response chain

How it spread

Trace the origin

Apple Card reached selected customers in August, then opened nationwide. A November thread alleging unequal spousal limits spread through replies and press into a New York probe. DFS later found no unlawful discrimination.

Observed peak within the documented measurement window; not an all-time maximum. Some dates are known only to the week, month or year.

Wikipedia views · Google searchesMar ’19MayAugSepNovDecApr ’20AugDecMay ’21AugObserved peakApple / Goldman SachsStarts · Aug 6 ’19AppleMar 25 ’19Marques BrownleeAug 9 ’19The VergeAug 21 ’19dbrandAug 26 ’19David Heinemeier Hansson…Nov 7 ’19Open webYouTubePressRetailX
Open webYouTubePressRetailX

Timeline (16)

  1. March 2019

    Apple precursor · Mar 25 ’19

    Apple announced a credit card with Goldman Sachs and Mastercard for a summer release.[1]

    Open the first post ↗

  2. August 2019

    Apple / Goldman Sachs seed · Aug 6 ’19

    Selected US customers could apply for and immediately use Apple Card during its public preview.[2][3][4]

  3. Marques Brownlee platform jump · Aug 9 ’19

    Brownlee posted his Apple Card unboxing video and linked it on Twitter.[5][6]

    NEW VIDEO - Apple Card Unboxing & Impressions! - RT!

  1. owner response · Aug 20 ’19

  2. backlash · Aug 21 ’19

Join free to see why it worked and the other 13 events. Free, on every case.

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Do this

  1. 1A physical object can make a digital financial service visible in creator videos.
  2. 2
  3. 3

Every number (7)

  • Hansson's claimed credit-limit ratio to his wife; allegation“Yet Apple’s black box algorithm thinks I deserve 20x the credit limit she does.”
    20[12]

Press (5 outlets)

  1. Aug 6, 2019same dayThe Verge · The Apple Card starts rolling out today | The Verge

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  • 3steps to copy, the playbook
  • 7sourced numbers
  • 5outlets that covered it
  • 24sources, each linked

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Origin
Mixed
Sector
Finance
Region
US
Apple.com paid-search impressions since launch; Adthena estimate
655K
As of Oct 20, 2019 · Open web · Adthena
Evidence
Grade A