Have you Considered the Apple Card from Goldman Sachs?

If you are in the market for a new credit card with cash back rewards and tons of hidden features, the Apple Card from Goldman Sachs may be right for you.
Apple card from Goldman Sachs

Maybe you already know that a credit card company wants to lure you in with things like great cash back offers, APR incentives, and minimal fees. What you probably never even considered when applying for a new account is what happens if you suffer economic hardship and need assistance with your payments?

A common program many banks offer is called a “run-off” and this is undoubtedly a great solution for the average person overwhelmed by revolving debt payments. Essentially, the credit card company will offer to close your account moving forward and offer you a very favorable interest for a 5-year loan to pay off the remainder of your balance. This also will not impact your credit score negatively.

Putting an account into runoff can limit the amount of available credit you have, something that also hits your credit score short term. Maybe, this isn’t what you were thinking?

This is a great option for a lot of people; however, it will require you to close the account completely and maybe that isn’t what you are looking for. If you want a card that will give you a great amount of leniency in times of economic hardship, the Apple Card from Goldman Sachs Bank may be just what you are looking for.

COVID-19 and your Finances

During the coronavirus pandemic outbreak in early  March, 2020, Goldman Sachs even allowed members suffering from the pandemic economically to get assistance in the form of an interest rate holiday and a reduced minimum payment. Essentially, they would refund any interest you paid the previous month and only require you to pay 1% of the outstanding balance for the month. This can be a huge help to somebody suffering hardship.

As a show of how much they care about their cardholders, Apple and Goldman Sachs now offer this program for 12 months to anyone suffering hardship like job loss, divorce, or a death in the family. The program is essentially an interest rate holiday for a FULL YEAR! On top of that, your card still remains active and you are able to take advantage of the 1-3% you earn back in Apple Cash just for using the card.

In summary, maybe you aren’t even ready for a credit card, but it is important to know what will happen when you can’t pay your bill and don’t want to stop payments and crush your credit score. If you are looking for a decent credit card with cash back that will look out for you in times of crisis, the Apple Card from Goldman Sachs just may be the right one for you.

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