Apple Card declined at Apple Online Store
I recently purchased an iPad at the Apple Online Store. With AppleCare, tax, etc, came to about $900. I received an email from Apple telling me I had insufficient funds to make the purchase, and that I needed to deposit funds or the order would be canceled.
The purchase was made using my Apple Card. I saw $650 of the purchase come through in my Wallet, and called Support to resolve the problem. I was told I could complete the purchase by putting the remaining $250 on my MasterCard on file. Did that and completed the transaction.
But here's the thing: The Apple Card is a virtual card backed by a "real" credit card and card issuer. The MasterCard I used to complete the transaction is that card: The Apple Card and the MasterCard ARE THE SAME CARD ACCOUNT. With 10x the headroom on the account for the purchase I was making.
After literally hours on the phone trying to resolve this with Apple Support, who basically said "gee, we can't see anything wrong", it's now clear I need to talk to the card issuer. but this still exposes a pretty significant hole in the Apple Card ecosystem.
iPad mini 5, iPadOS 15