The Apple Card has been under fire this week after
accusations that the bank behind the program, Goldman Sachs, has been
discriminatory against women in its provision of credit lines. The New York
Department of Financial Services into the claims, and now,
Goldman Sachs says it will re-evaluate credit decisions for those whose lines
are lower than expected.
The outcry against the Apple Card began when Basecamp founder and Ruby on Rails creator David Heinemeier Hansson accused the bank of after he was offered twenty times the credit limit that his wife was, even though they file joint tax returns.
In response to the controversy, Goldman posted a statement on which said, in part, "We have not and never will make decisions based on factors like gender... Together with a third party, we reviewed our credit decisioning process to guard against unintended biases and outcomes."
In addition, the bank said it would re-evaluate its credit decisions if users made the request: "If you believe that your credit line does not adequately reflect your credit history because you may be in a similar situation, we want to hear from you. Based on additional information that we may request, we will re-evaluate your credit line."
Following the initial Twitter thread, Jamie Heinemeier Hansson she decided to make the issue public. "It matters for the woman struggling to start a business in a world that still seems to think women can't be as successful or creditworthy as men," Mrs Hansson said. "It matters to the wife trying to get out of an abusive relationship. It matters to minorities harmed by institutional biases. It matters to so many. And so it matters to me."
Goldman Sachs' response wasn't enough for Mr Hansson, however. In another on Twitter, he characterized the response as "patronizing" and pointed out the updates to the process that would be required to achieve fairness.
Hansson received support over the weekend from a prominent source: Apple co-founder Steve Wozniak, who experienced a in credit lines with his wife and placed the blame not only on Goldman but also on Apple for giving its name to the program.
Apple has not yet made any comment on the issue.