So, let’s back up and do some fact gathering. You’re referring to your Apple Card MasterCard, correct?
So, what happens is when Goldman Sachs (issuer and servicer of Apple Card) puts a fraud alert on your Apple Card account, they decline all transactions using your Apple Card and message you with something like, “Are you trying to make a purchase for $100.00? If so, say yes.”
If you have notifications turned off for your Apple Wallet app you may not be seeing them. You can check here, iphone > Settings > Notifications > Wallet.
The other possibility is a fraud alert is on one of the credit reports I mentioned above. You can get a free copy of your three reports at this link,
https://www.annualcreditreport.com/index.action
Apple Card support team is really busy because of the launch of the highly anticipated Apple Savings accounts this past Monday. It may be a few days before support wait times come come back down to normal.
If you have additional questions, you’re always welcome to post a reply.