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Goldman Sachs says it assigns Apple Card, sets credit limit, collects debt - Business Insider

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Goldman Sachs stresses that it decides who gets an Apple Card — after Apple's snub that it was 'created by Apple, not a bank'

Two crossed lines that form an 'X'. It indicates a way to close an interaction, or dismiss a notification.The slogan for Apple Card is "created by Apple, not a bank" — but Goldman Sachs decides who gets one, shoulders the risk of lending billions, and collects unpaid debts.

"The ultimate decision sits with us," he added. "We calibrate, manage our risk and collections in the context of that."The Apple Card's slogan is "created by Apple, not a bank" — but Goldman Sachs stressed this week that it decides who gets the credit card, shoulders the risk of lending billions to customers, and collects unpaid debts.

"Are you going to be hamstrung trying to collect those delinquencies because of the way it's been branded as an Apple Card, and it's not a bank?" he asked finance boss Stephen Scherr on Goldman's earnings call.

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The integration of the card with the iPhone Wallet is pretty slick, but Goldman Sachs is correct that they are the ones calling the shots.

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