A viral Reddit poster explains how the Apple card fails compared to other cards

These dissatisfied customers don't give Apple Card much credit – and a writer in the popular discussion forum Reddit Inc. described what he describes as some of the card's most prominent issues in a social media post that went viral.

The Reddit user, under the name PoliticalGuy2016, delivered a particularly biting criticism of Apple

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card in a post titled "I've owned the Apple card for 3 months, this is why it sucks compared to other credit cards."

who identified himself as David and refused to provide his last name, told MarketWatch that he vented his frustrations over Reddit before going to bed Thursday night because he was tired of seeing amazing reviews from tech enthusiasts online who overlooked it The fact that the Apple card was "Lacks the basic functionality" of many other cards.

"I woke up and was like, wow ̵[ads1]1; I have a lot of notifications," laughed David, 23, who works in fintech in Washington, DC. had picked up nearly 1,200 comments within 12 hours of early Friday afternoon.

David's comments come back three months after Apple's hotly-anticipated, laser-etched, titanium card by Goldman Sachs

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hit the market. Cardholders and analysts have responded with mixed reviews. Early controversies have included: accusing the card's algorithms of discriminating against women; the fact that AppleCard did not initially report consumer information on credit bureaus; as well as the widely mocked operating instructions, which warn that leather wallets and jeans can discolor the elegant card.

Still others like to showcase the elegant card as a status symbol – especially those who reap 3% cash back on Apple products (under $ 1000 anyway) in the Apple Store, as well as retailers and apps like Walgreens

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David's second hold includes the card's "absolutely grim" 1% cash back reward when using the physical card. (However, it gives 2% back when using Apple Pay.) "Most cards offer between 1.5% and 2%," he writes, citing Citi

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Especially double cash cards, which give unlimited 2% cash back on everything. "

An Apple representative was not immediately able to respond to an email request from MarketWatch about the issues cited by critics.

Read more: Apple's new credit card offers 2% & # 39 daily cash back – what consumers need to know about it

David allows 3% cash back on Apple-related purchases to be generous, but adds that this is often beaten by other cards, such as Amazon Rewards Visa Card from

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Chase offers 5% cash back on entire Amazon

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and Whole Foods buys, as well as 2% back at restaurants, gas stations and pharmacies, and 1% back overall. (And it's also a metal card, if you're looking for the cool factor).

You also can't add authorized users to the card, he complained. "What kind of bulls from the 1980s – is this?" He asks. He has been told that he cannot make payments on desktop or laptop; payment must be made on the mobile app or talk to a customer service representative on the phone. "I don't know any credit card provider that is so archaic that you can't pay through an online portal," he writes.


But for him, the biggest drawback is that the card doesn't integrate with budgeting apps like Mint, which he says is "absolutely ridiculous." The bottom line – he gives the Apple card four out of 10 stars, admitting the four stars is just because "the flex is nice when you squeeze it on a table."

"I signed up because I am interested in maximizing the winnings, and I wanted 3% cash back on the App Store and Apple Store transactions. And I thought it looked cool. I actually wanted to keep it, because it's cool – physically, he tells MarketWatch. "But it lacks the basic functionality that almost every other credit card has," he argues.

An Apple spokeswoman said that Cupertino, California, the tech giant is working on letting customers export data to budgeting apps.

Related: Here's everything Apple doesn't tell you about its new credit card

Still, the early problems have caused someone to stop using the newly developed card completely. "I got the card for a race message a few months ago," throws another, "but I use it less and less and will eventually stop. Cashback has been terrible."

Some people complain that the Apple card " "locks" you in the Apple ecosystem because you need Apple Pay to take advantage of the best cashback benefits that an iPhone requires.

Others have taken issue with the Apple Card customer service, such as a user who says someone stole the card number, but a customer service representative responded, "It can't happen."

And some others cited the "sexist algorithms" that have come up with headlines lately – including from Apple founder Steve Wozniak – that have started an investigation into how the Apple card determines credit limits and interest rates for cardholders.

Read more: Apple founder Steve Wozniak also claims that the Apple card discriminated against his wife

“I agree with the original The poster says that 1% cash back with the physical card is below average, and even 2% on most Apple Pay purchases is not groundbreaking (a few sellers offer 3%), says Ted Rossman, industry analyst at , to MarketWatch. "Most people would get ahead by using a card like Citi Double Cash that offers 2% cash back on all purchases (technically 1% when you buy and 1% when you pay it). Apple Card's lack of sign-up bonus is also disappointing rewards like avicionados. "

" The Apple Card is at its core (no pun intended) a very basic cash-back card, "said Sara Rathner, credit card expert at NerdWallet. It has cool technological bells and whistles, but if it's a consumer really want is a steady flow of cash without having to discuss where to use a card and when, there are other options on the market. "

But Rossman also noted that" we are probably all guilty of holding the Apple Card to a higher standard, "so that the card can be a victim of the brand's past success. And he gave the card credit for" doing some nice things around the margins, such as improving security by housing the card number, expiration date and card verification value Nine your phone instead of the physical card. "

He recommends it for those with subprime credit, or someone who is unfamiliar with credit, like" you are unlikely to qualify for a card with better reward than the Apple Card. "

In fact, there were comments on the Reddit thread that supported the card. Some say their interest rate cards are half as much as other cards. Those using Apple Pay often say they are reaping the winnings, and Apple representatives have said more apps and retailers will be part of the 3% Daily Cash Club in the future.

Regarding David's final judgment: "I probably just won't use it, except if I'm going to buy something from the App Store."

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