My card info. States that I didn’t pay the full balance back in May

My card info. states that apparently, I didn’t pay the full balance back in May 2023 … it continues to state because of this I am being charged interest. When will this interest stop being charged??


Also, how do I get a physical card? As well as paper statements? I would like some control over this card, other than my iPhone.

iPhone 12 Pro, iOS 16

Posted on Jul 27, 2023 11:35 PM

Reply
Question marked as Top-ranking reply

Posted on Jul 28, 2023 12:22 AM

Interest is charged and compounded daily. If the statement balance isn’t paid in full by the due date (last day of every month) interest is charged each day until the statement is paid in full. This interest is known as residual interest and sometimes ghost interest. Residual interest is standard for a revolving credit card account. Interest charges are covered in the Apple Card Customer Agreement (terms & conditions).


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


A physical card may be requested by the account owner and is done so using their required device, iPhone. I’ve linked a support article below with information on requesting and activating the card, when it arrives in approximately 2 weeks.



>> How to get a Titanium Card


Before you request a Titanium Card, apply for Apple Card. If your application is approved and you accept your offer, you can request a Titanium Card.

 

  1. On your iPhone, open the Wallet app and tap Apple Card.
  2. Tap the More button , then tap Card Details .
  3. Scroll down and tap Get a Titanium Apple Card.
  4. Follow the instructions on your screen.


A notification is sent to your iPhone when your Titanium Card ships. The card ships to the billing address that you used to complete your Apple Card application. If you want your card delivered to a different address, update your billing address in Wallet before you request your Titanium Card.<<


Request and activate a titanium Apple Card - Apple Support


Monthly statements are available to download and/or print at card.spple.com Login in with your Apple ID password and statements are in the upper left corner menu. To the best of by knowledge paper statements are not available. You may wish to confirm this by contacting an Apple Card Specialist at Goldman Sachs Bank.


CONTACTING — Goldman Sachs Bank 



  • Call toll-free at 877-255-5923; or


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



1 reply
Question marked as Top-ranking reply

Jul 28, 2023 12:22 AM in response to jcistern

Interest is charged and compounded daily. If the statement balance isn’t paid in full by the due date (last day of every month) interest is charged each day until the statement is paid in full. This interest is known as residual interest and sometimes ghost interest. Residual interest is standard for a revolving credit card account. Interest charges are covered in the Apple Card Customer Agreement (terms & conditions).


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


A physical card may be requested by the account owner and is done so using their required device, iPhone. I’ve linked a support article below with information on requesting and activating the card, when it arrives in approximately 2 weeks.



>> How to get a Titanium Card


Before you request a Titanium Card, apply for Apple Card. If your application is approved and you accept your offer, you can request a Titanium Card.

 

  1. On your iPhone, open the Wallet app and tap Apple Card.
  2. Tap the More button , then tap Card Details .
  3. Scroll down and tap Get a Titanium Apple Card.
  4. Follow the instructions on your screen.


A notification is sent to your iPhone when your Titanium Card ships. The card ships to the billing address that you used to complete your Apple Card application. If you want your card delivered to a different address, update your billing address in Wallet before you request your Titanium Card.<<


Request and activate a titanium Apple Card - Apple Support


Monthly statements are available to download and/or print at card.spple.com Login in with your Apple ID password and statements are in the upper left corner menu. To the best of by knowledge paper statements are not available. You may wish to confirm this by contacting an Apple Card Specialist at Goldman Sachs Bank.


CONTACTING — Goldman Sachs Bank 



  • Call toll-free at 877-255-5923; or


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



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My card info. States that I didn’t pay the full balance back in May

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