Got Apple Card? Why not? It’s the most successful credit card in the history of credit card launches. I’ve had some credit cards that were easier to sign up to use (they showed up in the mail), some that gave better cash back, some with a photo, but not one that committed the Sin of Woz.
What sin is that? Hey, if Woz– Steve Wozniak, Apple co-founder and permanent resident of The Cheesecake Factory– weighs in on an issue, then someone is sinning somewhere because nobody in technology is holier than an original Apple Steve. What happened?
Carol and I applied for Apple Card as soon as it was available on our iPhones, and we have to admit the process was mostly painless if a bit anti-climactic. Ho-hum. Another credit card. Big whoop. We have what we think is a somewhat typical financial arrangement for Boomers.
I spend. She pays. We have joint checking accounts and file our taxes as a couple. We have different credit scores but only by a few points. We both received the same credit card limit with Apple Card.
Move along. Nothing to see here, right?
Not quite. Someone hit Twitter to explain they received 10x the credit limit as their spouse. Others followed up with similar missives. Soon, authorities were notified and investigations started.
Any algorithm that intentionally or not results in discriminatory treatment of women or any other protected class of people violates New York law
I know. I know. New York. Now you have a better understanding why President Trump decided to retire to Florida.
Yes, I have been around the world of computers for enough years to know there is no human named Mr. Willis or Mrs. Snodgrass sitting at a desk and issuing crazy credit scores or pushing out credit limits based upon receding hairlines or purchases.
Blame it on the algorithms.
As long as humans are different and as long as we use algorithms instead of God Almighty to issue numbers to reflect our not-quite-co-equal statuses, we’ll have issues like this pop up.
I just wonder how much longer we’ll have Steve Wozniak blame such digital shenanigans on Apple?
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.
Yeah, Steve. We use electricity now. Things are complicated these days. Nobody uses floppy disks anymore. None of our Macs even has a CD or DVD player. Even the menu at The Cheesecake Factory is too long and doesn’t have enough pictures.
Life in the 21st century isn’t much different than life in the last century or the one before that. Things happen. These days, though, we can blame such unexplained craziness on the algorithm.
So nobody understands THE ALGORITHM. Nobody has the power to examine or check THE ALGORITHM. Yet everyone we’ve talked to from both Apple and GS are SO SURE that THE ALGORITHM isn’t biased and discriminating in any way. That’s some grade-A management of cognitive dissonance
As if that could be managed.
Someone found yet another flaw in Apple Card. The first one was the card’s ability to discolor after being stored against leather or denim. I bought a shield for that. Apple caused my OCD. The latest is human discrimination was found in a human-created algorithm.
I sense the problem here is more human than it is credit card algorithm.