It's Apple Card payment due date for most, and an outage is causing problems

Apple has acknowledged that an Apple Cardoutage could be causing problems for users on the day that the card's bills are due.

Holders of the Apple Card began reporting issues with accessing their Apple Card management options on Monday morning. Users report being met with an "account services unavailable" dialog box when attempting to pay their bills.

According to Apple's system status page, an issue with Apple Card services may cause issues when adding Apple Card to Wallet, paying a bill, or applying for the Goldman Sachs-backed credit card.

The issue has been ongoing since 9:26 a.m. Eastern Time on Jan. 31, Apple's system status page indicates. There's no word on when the issue might be resolved. Apple Card payments are due on the last day of the month.

Although Apple says the bug affects "some users," reports continue to roll in on social media platforms like Twitter.

@AppleCard logging in to pay doesn't seem to work either on phone or online. Help! pic.twitter.com/k4TCuDZNu8
— Jim Helisek (@helisekjames) January 31, 2022

It looks like there could be an issue with Apple Card and making a Payment right now. Tried myself and had others comment on it where you try to pay, but it says unavailable. pic.twitter.com/qDlI4kdpet
— Aaron Zollo (@zollotech) January 31, 2022

An AppleInsider staffer also confirmed running into the error message when accessing their Apple Card.

AppleInsider will update this piece when the issue is resolved.

10 Comments

mike1 3430 comments · 10 Years

About 2 years ago

Just got my payment through.

Appleish 712 comments · 8 Years

Something very much like that happened to me on December 31st. I called Apple Card support and was told that she had gotten a call like mine "many times" that day. I paid early this month and will do so from now on.

heavypound 25 comments · 7 Years

This is why I don’t like scheduling payments on the actual due date. When possible, I schedule them for about a week in advance. I have my Apple Card set to automatically pay the previous statement balance on the 25th instead of waiting until the last day of the month. I wish all vendors let you schedule automatic payments for about a week before the due date instead of just ON the due date.

I’m assuming that any interest accrued because of these payment issues will be refunded, but it’s still a pain to deal with.

Soli 9981 comments · 9 Years

If that happens you'll likely get any late fees and interest penalties waved, but you may have to call in to get it worked out which means using your time as well dealing with the stress that comes from a responsible person not being able to pay their bill on

For those reasons, you may want to pay it earlier in the month. A good time to pay your GS Apple Card around the middle of the month. This is because they seem to report to credit bureaus around the 3rd week of the month. What they report is if you paid on time since the last update, your credit usage, and your credit limit—the last two which tell the bureaus have much of your revolving credit is currently utilized.

This means that even if you pay off your card in full each month, if you use it heavily each month you could have a utilization rate each month that negatively affects your credit score and certainly works against your debt to income ratio if you're trying to make a large purchase, like a house. You can sometimes google this info,z but I've mostly found that I've had to call to find out when my creditors are usually doing the reporting.

chadbag 2026 comments · 13 Years

Luckily mine went through.

The problem with trying to pay early is that, at least for me, I don't get the option to pay with Apple cash (up to what I have) and having the balance after that paid from my checking account. Any time I try and pay befoee the deadline it only wants to take from my checking account. But paying on the due date will take from Apple cash first and balance from checking.