The episode exposes the pitfalls as more and more decisions about credit, health care and hiring are made by algorithms.
In most cases, the issue stems from the Apple Card being only for individual accounts, not joint accounts shared by a household, according to Goldman spokesman Andrew Williams.
That setup makes it "possible for two family members to receive significantly different credit decisions," Williams said. He added that the bank is actively exploring ways to allow users to share their Apple Card with family members. The Apple Card is directly linked to a user's iPhone, where the application process happens, helping explain the appeal of individual accounts. In some cases, shared accounts could lead to legal disputes over who must repay debts if a couple separates.
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