apple card holding money.. no reason ?

Tier 1 support is typically the least experienced and are less knowledgeable on some of the intricacies of banking. I can’t say with exact certainty the reason for the hold, but making multiple digital payments in rapid succession is something fraudsters typically do. This is a known red flag in the banking industry.

Apple has no knowledge of any of your purchases, payments etc. Apple and Goldman Sachs are two separate companies and federal banking regulations prohibit sharing your personal information about banking. Apple Card is what known as a co-branded credit card. It carries Apple’s name and Apple promotes and markets the card. Goldman Sachs is the bank and company that makes all the decisions in regard to personal accounts.

Supposed to? Not sure where you got that impression, but you’re misinformed. Federal regulations allow the banks to hold funds for up to 30 days? Why so long? The bank that sent the funds has up to 30 days to demand Goldman return the funds. Your account was credited the payment the instant you present the <Pay> button. However, holds are a different matter.

I suggest you wait a couple days and call and request a supervisor and discuss your need for a partial release of funds. If the supervisor can’t release all the funds on hold, usually they can make a partial release.

Next time, make you payments using Apple Cash. When paying with Apple Cash funds are instantly credit and your available credit is instantly updated as well. There is no hold when paying with Apple Cash.

How to make Apple Card payments - Apple Support

The exception to instant availability is the last day and first day of each month. GS servers are overloaded with last minute payments, publishing statement, savings account interest etc. It can take from several minutes to several hours for available credit to be updated.

If you go through the Apple contact structure, as soon as they figure out you’re inquiring about Apple Card MasterCard, you get transferred to Goldman Sachs. I provided the direct contact information.

Not sure what the status of marijuana has to do with your hold situation, but I can tell you that some states have legalized various uses, but that’s irrelevant. Banks are federally regulated and most take a dim view of activities related to the use of their money for items considered illegal by the federal government. Goldman Sachs isn’t the only bank that reacts to marijuana negatively. All major banks take a dim view.

Risk is what banks measure. Use of marijuana is a risk, as is making frequent payments. This is nothing new, but as banks attempt to reduce their losses from fraud, they use AI to detect increased risk. You’ve now indicted two factors and there may well be more. But it won’t change. I can speak from experience with Citi, Chase, Wells, GS, US Banks, Truist and several other of top 10 banks.

Who put what on hold? Your description of what’s happening is not at all clear.