Apple Card Investigated After Gender Discrimination Complaints

Something curious occurred when a husband and spouse just lately in contrast their Apple Card spending limits.

David Heinemeier Hansson vented on Twitter that although his partner, Jamie Hansson, had a greater credit score rating and different elements in her favor, her utility for a credit score line improve had been denied.

Mr. Hansson, a distinguished software program developer, puzzled how his credit score line might be 20 instances larger, referring to Apple Card as a “sexist program” (with an expletive added for emphasis).

The card, a partnership between Apple and Goldman Sachs, made its debut within the United States in August.

“DFS is troubled to learn of potential discriminatory treatment in regards to credit limit decisions reportedly made by an algorithm of Apple Card, issued by Goldman Sachs, and the Department will be conducting an investigation to determine whether New York law was violated and ensure all consumers are treated equally regardless of sex,” the statement said.

An Apple spokeswoman directed questions to a Goldman Sachs spokesman, Andrew Williams, who said that the company could not comment publicly on individual customers.

“Our credit decisions are based on a customer’s creditworthiness and not on factors like gender, race, age, sexual orientation or any other basis prohibited by law,” Mr. Williams said.

Mr. Hansson did not respond to an interview request on Saturday night.

His wife’s experience with the Apple Card, the first credit card offering by Goldman Sachs, does not appear to be an isolated case, however.

Steve Wozniak, who invented the Apple-1 computer with Steven P. Jobs and was a founder of the tech giant, responded to Mr. Hansson’s tweet with a similar account.

“The same thing happened to us,” Mr. Wozniak wrote. “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.”

In addition to Goldman Sachs, Apple partnered with Mastercard on the Apple Card, which the companies hailed as a revolutionary “digital first” credit card that had no numbers and could be added to the Wallet app on the iPhone and used with Apple Pay.

Mr. Hansson said many women had shared similar experiences with him on Twitter, and urged regulators to contact them.

“My thread is full of accounts from women who’ve been declared to be worse credit risks than their husbands, despite higher credit scores or incomes,” he said.

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