This surprising rush led a viral Twitter thread this weekend to a New York investigation into alleged gender discrimination by Apple Card and its banker Goldman Sachs. On Thursday, Basecamp CTO and Ruby on Rails creator David Heinemeier Hansson called shit on the Apple card's alleged decision to award him the "20x" credit limit to his wife, despite providing joint tax returns and her credit score being higher. Goldman Sachs offered some thin swath in its grounds for determining creditworthiness, but emphasized that it looks forward to letting customers "share the Apple card with other members of their families" ̵
On Thursday, Basecamp called CTO and Ruby on Rails creator David Heinemeier Hansson bullshit about the Apple card's inexplicable decision to award him the "20x" credit limit to his wife, despite filing joint tax returns and her credit score is higher. Several others, including Steve Wozniak, chimed in with the same story. According to Hansson, Apple's customer service representatives fell back on the aw-shucks line, per industry custom .
Hansson reported that Apple eventually raised his wife's credit limit, even though various customer service representatives went ignorant of the algorithm's mysterious work and asked them to pay $ 25 to check their credit score, then found that his wife's score was higher than his own .
Steve Wozniak replied: “A human leader at a fairly low level should have the authority to correct your situation. That's how it worked at HP in 1972-6 when I worked there. But the good values are not transferred to technology companies today. "
By Saturday, Superintendent of the Department of Financial Services Linda Lacewell jumped in to say that the NDFS would" take a look. "In a statement on Saturday night, the NYDFS told the New York Times that an investigation is ongoing, and Lacewell published a longer statement on Medium noting that the NYDFS previous This week, an investigation into claims that UnitedHealth Group's algorithm discriminated based on race opened.
Regardless of which algorithmic dice throw that plays, we are not surprised. Following the review of the Apple Card Gizmodo's Victoria Song received numerous emails and comments reflecting whimsically assigned credit limits and interest rates (including among men).
"It wouldn't surprise me if it was a bit wonky with Goldman Sach's algorithm," Song said. "Anecdotally, as I reviewed the card, there was a lot of Gizmodo readers in the comments box and inbox. at around 800, I got a $ 6500 limit and a 17.99 percent interest rate. A male reader with the same credit score e-mailed me to say he had received 12.99% and a 10,000 limit More broadly, we got a lot of readers who were directly confused when the algorithm did not appear to scan compared to their other credit cards. "
and marital status, claiming that Goldman Sachs by law cannot comment on individual accounts. " ie pay the bills:  We look at the individual's income and the individual's creditworthiness, which includes factors such as personal credit score, how much personal debt you have and how that debt has been managed. Based on these individual factors, it is possible for two family members to make substantially different credit decisions.
We do not and will not make decisions based on factors such as gender.
Goldman Sachs did not immediately respond to our request for a list of all the factors determining Apple Card approvals.
According to The New York Times Apple has petitioned media requests for Goldman Sachs. As of now, Apple has not returned Gizmodo's request for comment.
Gizmodo has also reached out to the New York Department of Financial Services and David Heinemeier Hansson and will update the post if we hear back.