Amid all the online chatter about Apple Card, you may have come across references to the "arbitration clause" in Apple's agreement, and how you should opt out of it if you intend to apply for the credit card. So what is arbitration, and why should you steer clear of it?

apple card
Basically, arbitration is a way to resolve legal disputes between two parties (in this case, between you and Goldman Sachs, which backs ‌Apple Card‌) without going through the courts.

Arbitration is often touted as being a quicker and less expensive way to resolve disputes. The problem is that arbitration often favors the company over the consumer, because the arbitrator(s) is typically chosen by the company, handing them an unfair advantage.

When you agree to ‌Apple Card‌'s terms and conditions, you are agreeing to forced arbitration to resolve any potential disputes between you and Goldman Sachs. In other words, you're waiving the right to individually sue the bank or be part of a class action lawsuit against the company.

The key passage in the ‌Apple Card‌ terms and conditions is as follows:

By accepting this Agreement or using your Account, unless you reject arbitration as provided below, you acknowledge that you are giving up the right to litigate claims (as defined below) and the right to initiate or participate in a class action. You hereby knowingly and voluntarily waive the right to be heard in court or have a jury trial on all Claims subject to this Agreement.

The good news is that there are several ways you can request to opt out of arbitration. Customers in the U.S. can call Apple on 877-255-5923, or they can send a letter to Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112. However, the easiest method is to use the Messages feature in the iOS Wallet app. The following steps show you how.

  1. Launch the Wallet app on your iPhone.
  2. Tap your ‌Apple Card‌.
  3. Tap the black ellipsis button (the three encircled dots) in the top-right corner of the screen.
    apple card message
  4. Tap Message.
  5. Send a message stating that you'd like to opt out of ‌Apple Card‌ arbitration. You'll be connected to a Goldman Sachs assistant who will process your request within a few minutes.

At the time of writing, Apple doesn't seem to be providing confirmation when you opt out of arbitration via the Message route, so the best advice for now is to take screenshots of your conversation for safekeeping, just in case.

Top Rated Comments

HylianKnight Avatar
41 months ago
Apple is sneaky, hopping people wouldn't notice the arbitration clause.
I could be wrong, but I’m pretty sure this is more of a Goldman Sachs thing than an Apple one. I got my Apple Card, but I definitely DO NOT trust Goldman Sachs. Their reputation is one of corruption and shady dealings.
Score: 11 Votes (Like | Disagree)
HylianKnight Avatar
41 months ago
So Macrumors is suggesting that the consumer is better off fighting issues with a lawyer than going through arbitration, correct? You don’t think Goldman Sachs will have a high-powered lawyer when they are getting sued? Would love to know whose opinion this is that arbitration is bad for the consumer? Other than a lawyer
Macrumors is simply reporting that the consumer has options and how to implement those options.
Score: 10 Votes (Like | Disagree)
displayblock Avatar
41 months ago
I definitely DO NOT trust Goldman Sachs. Their reputation is one of corruption and shady dealings.
Don't support corruption and shady dealings? Vote with your wallet.

I got my Apple Card, but
Well, nevermind I guess.
Score: 9 Votes (Like | Disagree)
tothemoonsands Avatar
41 months ago
So Macrumors is suggesting that the consumer is better off fighting issues with a lawyer than going through arbitration, correct? You don’t think Goldman Sachs will have a high-powered lawyer when they are getting sued? Would love to know whose opinion this is that arbitration is bad for the consumer? Other than a lawyer
You are reserving your right to sue but that doesn’t mean you can’t still go into arbitration. There’s really no reason not to opt out.
Score: 8 Votes (Like | Disagree)
biting-mammal Avatar
41 months ago
America is such a litigious country *SMH*
Score: 7 Votes (Like | Disagree)
tothemoonsands Avatar
41 months ago
I used this as an opportunity to try out message support, and WOW, this is the future of all support. Seriously, it is extremely exciting to see such an improvement in customer service. It is down right revolutionary. Gone are the days of waiting on hold via telephone or waiting days for an email response. This is near instant support, presumably aided by some level of automation/AI but still with the human touch as well. Brilliant. And this is why Apple Card is already my favorite credit card.
Score: 6 Votes (Like | Disagree)

Popular Stories

iphone 14 pro max vs 13 max 2

Camera Comparison: iPhone 14 Pro Max vs. iPhone 13 Pro Max

Thursday September 29, 2022 7:44 am PDT by
The iPhone 14 Pro and Pro Max introduce some major improvements in camera technology, adding a 48-megapixel lens and low-light improvements across all lenses with the new Photonic Engine. We've spent the last week working on an in-depth comparison that pits the new iPhone 14 Pro Max against the prior-generation iPhone 13 Pro Max to see just how much better the iPhone 14 Pro Max can be. Subscrib ...
tony blevins car

Apple Procurement VP Departs Company After Vulgar TikTok Comment

Thursday September 29, 2022 12:38 pm PDT by
Tony Blevins, Apple's vice president of procurement, is set to depart the company after he made a crude comment about his profession in a recent TikTok video, reports Bloomberg. Blevins was in a video by TikTok creator Daniel Mac, who was doing a series on the jobs of people he spotted with expensive cars. After seeing Blevins in an expensive Mercedes-Benz SLR McLaren, Mac asked Blevins what ...
Dark Sky App Featured

Dark Sky Removed From iOS App Store Ahead of Upcoming Shutdown

Wednesday September 28, 2022 4:27 pm PDT by
The Dark Sky weather app that's owned by Apple is no longer available for download in the U.S. App Store, suggesting that it has been removed ahead of schedule. Apple acquired Dark Sky back in March 2020 and has since incorporated elements of the app into the Weather app available on the iPhone (and soon, the iPad). Dark Sky remained available for purchase as a standalone weather app...
adaptive transparency airpods pro

iOS 16.1 Beta Brings Adaptive Transparency to Original AirPods Pro

Thursday September 29, 2022 1:08 pm PDT by
The third beta of iOS 16.1 that was released earlier this week expands the Adaptive Transparency feature introduced with the second-generation AirPods Pro to the original AirPods Pro. As noted on Reddit, first-generation AirPods Pro owners who also have the AirPods beta software will now see an "Adaptive Transparency" toggle in the AirPods section of the Settings app. The 5A304A beta...
tim cook malala

Tim Cook: Not Too Long From Now, You'll Wonder How You Led Your Life Without AR

Thursday September 29, 2022 7:26 am PDT by
Speaking at Università Degli Studi di Napoli Federico II in Naples, Italy, Apple CEO Tim Cook said that not too long from today, people will wonder how they led a life without augmented reality, stressing the "profound" impact it will have on the not so distant future. At the university, Cook was awarded an Honorary Degree in Innovation and International Management and also sat down for a...
iOS 16 Wallpaper Spectrum Feature

Five Wallpaper Apps to Check Out for iOS 16's New Lock Screen Depth Effect

Thursday September 29, 2022 9:08 am PDT by
One of the biggest new features in iOS 16 is a completely redesigned iPhone Lock Screen. The new Lock Screen is entirely customizable, letting you change the colors and fonts, add widgets and new wallpapers, and more to make your iPhone uniquely yours. Of course, even before iOS 16, you could customize your Lock Screen with a wallpaper of your choice. iOS 16 takes the Lock Screen wallpaper...
maxresdefault

Apple Responds to Video Testing Crash Detection Feature With Junkyard Vehicles

Friday September 30, 2022 9:11 am PDT by
The Wall Street Journal's Joanna Stern recently traveled to Michigan to test Apple's new crash detection feature on the iPhone 14 and Apple Watch Ultra. In response, Apple provided some additional information about how the feature works. Stern recruited Michael Barabe to crash his demolition derby car with a heavy-duty steel frame into two unoccupied vehicles parked in a junkyard — a 2003...
iphone 14 iphone 14 plus in hand feature

iPhone 14 Is Secretly Hiding a Beloved Mac Feature

Friday September 30, 2022 3:24 am PDT by
The iPhone 14 and iPhone 14 Pro models bring over a longstanding Mac feature, but the setting to enable it is off by default. The feature, which is actually a new accessibility option, allows the iPhone to play a startup chime like the Mac. When enabled, the sound comes alongside a new shutdown chime. The Mac has featured a startup chime since 1987's Macintosh II, and the iconic "bong"...
Hero0005

Best Apple Deals of the Week: M2 MacBook Air Hits New All-Time Low Price at $1,049, Plus Sales on AirPods Pro and More

Friday September 30, 2022 9:05 am PDT by
This week's best Apple deals focus on the AirPods Pro, AirPods Pro 2, and M2 MacBook Air, including numerous all-time low prices on these devices. You'll also find up to 50 percent off discounts on Anker and Eufy accessories on Amazon. Note: MacRumors is an affiliate partner with some of these vendors. When you click a link and make a purchase, we may receive a small payment, which helps us...
iPhone 15 to Switch From Lightning to USB C in 2023 feature sans arrow

Kuo: iPhone 14 Pro Max Popularity Could Lead to More Differentiation Between iPhone 15 Pro and iPhone 15 Pro Max

Wednesday September 28, 2022 10:22 am PDT by
Apple has seen high demand for the 6.7-inch iPhone 14 Pro Max, which could lead the company to further differentiate the next-generation iPhone 15 Pro and Pro Max, according to Apple analyst Ming-Chi Kuo. Apple could add exclusive features to the iPhone 15 Pro Max in an effort to encourage more people to purchase the larger and more expensive device. Kuo last week said that Apple asked...