Can a member cardholder have two separate account? That would be redundancy using the same SS#. Is this in our policy agreement ?

That’s a question for Goldman Sachs Bank, issuer and servicer of Apple Card accounts. I don’t know anyone personally that has two accounts and per the terms and conditions of the Apple Card Customer Agreement, there is only one account per Social Security number and Apple ID. While it’s permitted to have more than one Apple ID, the one Social Security number would, at least in theory, be hard to get around. In researching this I did see a reference on a social media site where a poster had two separate accounts (didn’t say how), but that GS had closed them both.

CONTACTING — Goldman Sachs Bank 

• Using Messages; chat with an Apple Card specialist

• Call toll-free at 877-255-5923; or

• Write to: Goldman Sachs Bank, Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112.

https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf