Apple Card Budgeting App Sync?

I heard (but perhaps someone else can confirm) that this is a Goldman Sachs issue not an Apple issue.

If my source was correct it also say that all Goldman Sachs cards, not just the Apple One, suffer from this same problem.

Presumably this means the change away from GS could fix it. I agree with you that this is frustrating, especially now that Mint is shut down and they were the ONLY budgeting app that could track Apple expenses daily. How’d they figure it out but nobody else can?

With Mint gone my workaround has been to develop my own spreadsheet and manually input all transactions. It was a pain to build and get used to but now that I’m in a rhythm of doing it I actually somewhat prefer it. It’s now completely my data and I have much greater control over how it behaves compared to a budgeting tool that wants to spam me with ads while forcing me to do everything their way.

Trying to find the silver lining here since if history is an indicator Apple won’t have this squared away for quite some time (or if enough people raise a stink about it).

I’m sorry you’re having this experience. Again, your experience runs entirely different from any reported in these forums or other large groups on social media platforms. I help admin a large Apple Card group on Facebook and I’m active in the Reddit group. I’ve not seen this issue reported anywhere else. I doubt this issue is wide spread or systemic.

My advice is two fold. Contact via phone (number below) Goldman Sachs and ask for a supervisor. My experience with chat support is they sometimes make misleading statements and it’s easy to confuse what they’re saying and come away with a wrong understanding or impression.

I can appreciate the importance of this to you and until the issue is resolved to your satisfaction, use a different credit card.

CONTACTING — Goldman Sachs Bank 

• Call toll-free at 877-255-5923

• Write to: Goldman Sachs Bank, Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112.

No, offense intended, but the terms you’re using are not what is used in the Apple Card in the Wallet app. They also aren’t terms used by any major bank. Can you please explain the confusion you’re experiencing when using the Apple Card in the Wallet app?

All credit cards report recent transactions as pending until the merchant finalizes the transaction.

Pending charges are subtracted from >Available< unless recent pending transaction is reversed by merchant.

Card Balance is what is owed on the account and is what will be accepted if you want to initiate a payment. Pending charges cannot be paid until transaction finalizes.

So, what can I help you understand?

Let’s just say our experiences are different. If we use a posters example above of a tip in a restaurant. Different restaurants process tips differently. Some may include the tip and the entire charge shows as pending and the Available Credit is accurate. But many restaurants don’t add tips until the close of business that night. The bill gets authorization for the charge of the meal and that’s immediately reflected in Available Credit. Later in the evening, the tip is added to charge, and may not be reflected in Available Credit for several days. This is true of all the credit cards I use at restaurants, including Am/Ex, Cap1, Citi, Discover, Chase, Wells, and even Apple Card. The perfect you seek is not available in all situations in 2024. It just isn’t.

I believe the “difference” is that the Apple Card shows the running “commitments” - no other card in my own experience does this.

By “Commitment” (a term I just made-up) I mean the running total of “cleared” AND “pre-authorized / not yet cleared” transactions.

These pre-authorized Txns don’t always reflect what will eventually clear. (e.g. tips at a resturaunt or the “incidental” amounts hotels routinely pre-authorize)

Some of these “committmants” can remain uncleared for a significant period. Example: I recently had a sizable rental car “commitment” for 10-days during the rental period … it did not “clear” until I turned-in the car and the rental agency THEN processed the charge.

I you need to know your “cleared” running balance (analogous to what other cards generally display) — and as you correctly point out IS what interest and contractually-required payments are based on — simply do the following:

Click on the top-right box (payment due)

Scroll the “color wheel” clockwise all the way to “top-dead-center.”

The amount displayed IS the account’s “cleared balance” at that point in time.