David Heinemeier Hansson recently pointed out a potential problem with Apple Card applications, where his wife had a much lower credit limit than her own. Steve Wozniak also shared a similar story. & # 39; algorithm & # 39; was claimed by Hannson to be sexist and discriminatory. In a tweet, Apple Card issuing bank Goldman Sachs has now issued a statement denying these allegations.
In his statement, Goldman Sachs states that Apple Card credit decisions are made on an individual basis and the credit limit is individual for each applicant.
They say that each application is evaluated independently and factors such as personal credit score, income level and debt level are used to make a decision. The statement reads “Based on these factors, it is possible for two family members to make significantly different credit decisions. In all cases, we do not and will not make decisions based on factors such as gender. "
Separately, the New York State Department of Financial Services has posted on Medium that New York law prohibits discrimination of any kind and it conducts an investigation, inviting anyone who feels they have been abused to email them.
Apple has not yet responded to the situation, Apple Card is advertised as "created by Apple, not a bank", so it would only seem fair to them to take direct responsibility for the case with a formal statement. later this week, but they did not comment on the weekend.
As it turns out today, an Apple card is unique to each person. to add the ability to add authorized users to a single Apple card "in the future."
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