最先提出此一問題的是《紐約時報》最暢銷作家 David Heinemeier Hansson，其於 Twitter 上提到：「我和妻子會提交聯合申報書，並共用信用卡和銀行帳戶，然而 Apple Card 卻給了我比妻子多 20 倍的信用額度」，而此一系列推文馬上傳開來引起了關注。甚至 Apple 聯合創始人 Steve Wozniak 也提到他可以得到比他妻子多 10 倍的信用額度，但其他貸款機構卻沒有這些問題，這明顯是非常不公平的對待。
Apple 公司與 Goldman Sachs 則表示他們是運用複雜的演算法來推斷並做出決定，Wozniak 則表示這些演算法顯然有錯誤。目前金融服務署已經開始進行調查，除了確保所有不分性別的消費者都能得到平等對待，也要判定 Apple 及 Goldman Sachs 是否違反了紐約法律。
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.
— DHH (@dhh) November 7, 2019
She spoke to two Apple reps. Both very nice, courteous people representing an utterly broken and reprehensible system. The first person was like “I don’t know why, but I swear we’re not discriminating, IT’S JUST THE ALGORITHM”. I shit you not. “IT’S JUST THE ALGORITHM!”.
— DHH (@dhh) November 8, 2019
Just read this thread. My wife has a way better score than me, almost 850, has a higher salary and was given a credit limit 1/3 of mine. We had joked that maybe Apple is just sexist. Seems like it’s not a joke. Beyond f’ed up.
— Carmine Granucci (@whoiscarmine) November 9, 2019
Same here my wife is a doctor, I haven’t worked in 5 years and my credit limit is $20,000 her is $4,800. She wanted to surprise me with the new Apple Watch and phone for both of us, price tag came out to $5,200. She had to put the rest on our AMX.
— shareProud (@shareproud) November 9, 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.
— Steve Wozniak (@stevewoz) November 10, 2019