Apple Card: July Interest Charge

I usually pay my balance in full, however, I carried a balance for a couple of months recently. I recently went to pay my June statement in July. I checked the app four days prior to paying and it said "Pay X amount by July 31 to avoid interest charges." I paid that amount.

Well, on August 1 I was charged interest. I was surprised.

I reached out to Goldman and got nowhere. They are a stone wall that really doesn't care about their customers. I reached out to Apple and they told me that interest is a Goldman thing and they can't help me. So I am basically stuck in limbo with neither Goldman nor Apple willing to help.

Here is my issue: The app gave me financial guidance which I followed and was still charged interest. On Apple's website they have this page (How to avoid or lower Apple Card interest charges - Apple Support)

which describes interest charges this way: "To avoid being charged interest, pay your monthly balance in full every month on or before the due date." I did all of these things, but it doesn't matter.

So here I am, a consumer, who followed one company's instructions which conflicts with the other company's policies, and neither company seems to care. I essentially have no advocate.

The only reason I decided to pursue this was principle. Neither Apple nor Goldman care about customers. Everyone told me they were powerless and could not help me. Well, I found a solution to the issue. I received a BoA preapproval today and will be filling out the application, transferring any remaining balance I have on my Apple Card over to the new card and canceling my Apple Card.

I am sharing my experience because it's abysmal. I am now going to decouple my finances with most things Apple because it cost me money. Now it's cost them a customer.