Apple Card Mastercard is issued by Goldman Sachs Bank and they do the customer support, not Apple. GS uses bots for a lot of the basic chat interactions. If the bot can’t understand the question/concern a live support person enters the chat.
I find the chat support to be very basic and I have better communication when I talk with someone via toll free number. The training seems more extensive and a little more polished. It’s also easier to request a supervisor if the issue needs to be escalated.
In a recent JD Powers Ranking GS placed first in mid-size bank credit card customer service.
https://www.jdpower.com/business/press-releases/2023-us-credit-card-satisfaction-study