You Can and Should Reject Arbitration on Your Apple Card

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The Apple Card has begun rolling out to Apple users who requested information on the card through Apple’s website. Some people have already gotten it, like popular YouTuber and tech reviewer Marques Brownlee (MKBHD). You can check out his first impressions below.

So, let’s say you, like MKBHD, already have your fancy new Apple Card. You’ve set it up and started using it, and you’re likely impressed. Awesome, right? You have what could be the most technical credit card ever with a pretty cool app. But what if things go wrong? What if Goldman Sachs leaks your credit card data, costing you a fortune? What if MasterCard’s security fails? What if Apple exposes your data? Won’t you want to sue for damages to regain anything you may have lost?

Or, worse, what if you switch to Android, and you no longer use your Apple Card because it doesn’t have an Android app? You’re likely going to want to cancel your card, because you can’t even use it now, but doing so will hurt your credit score. What if this starts a class action lawsuit? Won’t you want something in return?

Of course. However, the Apple Card has an arbitration provision. This means you can’t sue anyone involved with the card and you can’t be part of a class action lawsuit. However, you can opt out of the provision. Here’s how.

Opting Out

You automatically agree to the arbitration provision when you sign up for the Apple Card, but you don’t have to stick with it. In fact, you can opt out of the clause if you wish, without canceling your credit card, hurting your service, or other drawbacks. The only thing opting out will cost you is a few minutes of your time.

Never throw away your legal rights without reason.

How to Reject Apple’s Arbitration Provision

This is easy. In fact, Apple has the instructions in the Apple Card Customer Agreement.

“You may reject this arbitration provision by contacting us using messages, calling us, or writing to us, and stating the following: (I) your name; (ii) the email address associated with your account; (iii) the address associated with your account; and (iv) that you are exercising your right to reject this arbitration provision (a “Rejection notice”). Your rejection notice must be received within 90 days after the opening of your account.”

So, you can use the Wallet app on your iPhone to start an iMessage conversation with someone at the company. That will allow you to give your information to reject the provision. You can also contact them via a phone number, 877-255-5923, or by writing to them. Writing is the least secure method to send information, and it’ll cost you a stamp, but the address is, Lockbox 6112, P.O. Box 7247 Philadelphia, PA 19170-6112.

You’ll likely want to do it over the phone, either through iMessage or through the telephone number provided.

That’s it! The only thing that will change is that you’ll now be allowed to collect money in the case of a class action lawsuit and you’ll also be allowed to sue Apple, MasterCard, or Goldman Sachs, if need be. Always prepare for the worst.

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Source: Ed Hardy, Cult of Mac