Is the Apple Credit Card SEXIST? We both applied, here is our result… – The Credit Shifu

The Credit Shifu is being SEXIST at 8:30. How could you be such a SEXIST PIG. What the HELL!!!

Try asking a woman how they aren’t treated equal to men in the world

If Apple would be sexist Apple would denied all women and approve only man

I think they just found out about the debt she has been hiding 😆

Up until this point, I’ve liked your channel enough to watch several of your videos when they’re recommended and was considering subscribing until this video. It’s crap. Just like credit scores, it’s a silly game. Financially responsible individuals don’t worry about their credit scores and don’t have problems obtaining financing when it’s needed. For you to cover this topic makes me not want to watch anything else you post. I’m just one viewer and it won’t hurt your stats but you’re better than this and you’re smarter as well. Don’t stoop.

It credit discriminate though! I applied and two guys showed up and took my iPhone!

Unleash your inner feminist

Them dudes a bunch of crybabies…

How much did you get approved for if you don’t mind me asking

Wow, you both got the EXACT same offer as me. Must be the generic offer for good credit within that income range.

Well done experiment Credit Shifu! Tax returns, marriage length, community property, etc are NOT taken into consideration for credit line approval and most of these complainers are probably used to receiving the same line of credit for joint or authorized user (AU). Separate applications will cause these huge differences. No investigations needed and these complainers need to NOT apply with GS / Apple Card as they don't issue AU or joint accounts.

A few things "protected persons" isnt racist or discriminatory. All ti is saying is that some groups have historically been discriminated against in the past. as a result special care has to be taken to prove that this is not the case. thats it. thats why in south africa, when you fill out forms they cant ask you, your race for pretty much anything.

While i understand it does seem like a lot of work (and it is) to discriminate, that doesnt mean it doesnt happen. Indeed those who want to discriminate are pretty amazing at coming up with ways to do so. especially in banking and finances where you cant usually see a persons race or gender. Please look up the practice of "Red lining" to see this in action. as recently as 2014 banks were fined for and had to confess to deliberately using race and gender when deciding what kinds of loans to offer first time home buyers. they admitted to offering well qualified black borrowers sub prime mortgages that they did not offer non black borrowers

So back to gender and apple, If apple wanted to there certainly things they could do to have gender taken into account. I dont think so because both apple and the issuer have too much to lose.

One thing that has been coming up is that the algorithms are created by people. and if people are not careful and mindful they can inadvertently miss or fail to include something that leads to undesirable outcomes of a gender race type. for example sometimes facial recognition programs struggle to correctly match african american faces. this isnt that the machines or the machines creators are racist just that they may have failed to use enough african american faces to train these programs.

again i want to clarify that i dont think anyone has enough data to say apple was being sexist here, or that this is or is not a pattern. but if it were it is entirely possible that the cause is something that can be easily corrected for once identified. If it is, my guess would be that it might have something to do with name changes, i dont know how credit reports treat those but a lot of married (and divorced) women have problems as a result of systems not being properly set up to easily process name changes.