Apple Card was released to everyone in the US today, with Apple also adding a new cash back offer for Uber. However, one thing to note with the Apple Card is that the terms and conditions specifically outline that you agree to arbitration. Fortunately, however, it is relatively easy to opt out. Here's how to do it.
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Arbitration regulations are incredibly common today and in relationships. When you consent to arbitration, you basically state the right to sue Apple or Goldman Sachs, whether individually or as a member of a class.
ArsTechnica has a good explanation for what this means:
[Arbitration] instead forces customers to accept binding arbitration to resolve disputes. Although binding arbitration is often defended by advocates as being faster and more affordable than litigation, arbitration favors powerful companies over consumers in disputes. The arbitrator or arbitrators are usually chosen by the arbitrator and tend to favor the interests of the company.
The Goldman Sachs Apple Card Agreement makes it clear that arbitration is opt-out, rather than opt-in:
By accepting this agreement or using your account, unless you decline arbitration as set out below, you acknowledge that you gives up the right to rise clients (AS DEFINED BELOW) AND THE RIGHT TO INITIATE OR PARTICIPATE IN A CLASS ACTION. You knowingly and voluntarily waive the right to be heard in court or have a jury trial on all claims governed by this Agreement.
How to Reject Apple Card Apple Card Arbitration
The most important thing to note is that you must opt out of arbitration within 90 days of opening your Apple Card account. Of course, the Apple Card has only been available for a few weeks – so you're still in that window for now.
There are several ways to opt out of the arbitration agreement:
- Call Apple at 877- 255-5923
- Send a letter to Lockbox 6112, PO Box 7247, Philadelphia, PA 19170-6112
- Use the messaging feature in the Wallet app
The third option is arguably the simplest:
- Open the Wallet app
- Touch Apple Card
- Touch three dots in the upper right corner
- Touch "Message"  Send a message on the line "I will opt out of Apple Card Arbitration."
Apple does not offer any kind of confirmation at this time, but we strongly recommend that you take a screenshot of the security preservation call.
For more help getting the most out of your Apple devices, check out our Guidance Guide and the following articles:
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