400,000 Apple Cards say Woz was wrong

From Cult of Mac’s “Investigation into ‘sexist’ Apple Card concludes no discrimination” posted Tuesday:

The Department of Financial Services… reviewed “thousands” of pages of records from both Goldman and Apple. The investigation also involved interviews with multiple Apple Card customers, plus data for approximately 400,000 Apple Card applicants from New York State…

The investigation started when entrepreneur David Heinemeier Hansson tweeted that he had received 20x the credit limit of his wife. He noted that he and his wife filed joint tax returns. Things got even more damning when Apple co-founder Steve Wozniak made a similar observation.

As a former senior Apple employee, this @applecard issue is very disappointing to me. I feel betrayed. Apple is positioned as the good team in tech. And I believe they are. But this is an issue that they have to fix. They have to think different and be better.

— Dave Edwards (@dedwards93) November 9, 2019

Woz said that he received 10x more credit on the card than his wife. “We have no separate bank or credit card accounts or any separate assets,” Wozniak noted. “Hard to get to a human for a correction though. It’s big tech in 2019.”

My take: A win for Apple and its strange bedfellow Goldman Sachs. Is this why Apple popped at 11 a.m. ET?


  1. David Emery said:
    It’s all about -credit history-! How many cars has Mrs Woz bought? Whose name appears first on each credit card? What other independent credit history does Mrs Woz have?

    At one point, my wife’s credit score was higher than mine, in part because we were careful to split up loans, credit cards, etc between the two of us, and I had a new car loan…

    March 23, 2021
  2. Gregg Thurman said:
    A sample of one does not a trend make, nor does a sample of two. A sample of 400,000 crushes anecdotal biases.

    I’ll bet the “man bites dog” hunting media loved the headlines the sample of ONE generated.

    Hanson’s 2 minutes in the spotlight has come crashing down, and the “class action” lawyers have stopped drooling.

    March 23, 2021
  3. Ken Cheng said:
    Woz’s comment, “We have no separate bank or credit card accounts or any separate assets,” presumes that credit history only goes back as far as their marriage. When I look at my credit report, it notes my oldest credit goes back 36yrs. The difference between his and her credit lines might be explained by what happened before they were married.

    March 23, 2021
  4. Gregg Thurman said:
    Sounds like there’s no prenup. That could be dangerous. Last week a friend got a ruling on the prenup his ex was challenging. She lost. The judge actually said her testimony was “disingenuous”. My friend has a very successful business of 36 years and lots of assets that predate the agreement. She’ll be taken care of, but won’t get what she wanted.

    I hope Woz doesn’t get hurt.

    March 23, 2021

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