Refund for mis-applied Apple Card auto-payment and credit report impact

Question

Refund for mis-applied Apple Card auto-payment and credit report impact

My bank auto-pay has previously worked to make any Apple Card payments. However, this month the payment was made on time, but the account number had changed so payment was mis-applied so I manually paid again thru the app. How do I get a refund for the mis-applied payment and make sure I do not get a ding on my credit report for late payment?

iPhone 16 Pro, iOS 26

Posted on Sep 1, 2026 4:47 PM

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Answer 1

Sep 2, 2026 7:27 AM in response to John D. Stacey

It’s unlikely the bank will refund a payment. You’re more than welcome to ask an Apple Card Specialist at Goldman Sachs Bank about a refund. Contact information is below.

A payment is only reported as late to the credit bureaus when it’s more than 30 days past the due date.

CONTACTING — Goldman Sachs Bank

Using Messages; chat with an Apple Card specialist

Call toll-free at 877-255-5923

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

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