I went to an Apple Store purchase an iPad with an Apple Card last year, I wanted to take advantage of paying it off within a year no interest. At the moment of checkout Goldman declined me and wouldn't tell me why. After two days and several scattered phone calls they claimed that it was unusual activity on my account. I pointed out to them that I had successfully purchased and paid off 3 other items on the same payment plan, and that their assertion that my activity was unusual was absurd.
I'll spare you the blow by blow because I know it's boring, but ultimately Goldman Sachs held to their position that they did the right thing, and Apple had to come to the rescue. They talked to each other a bit and I finally got my device on the payment plan I wanted.
I'm greatly looking forward to Goldman getting out of the picture. They really did try to spin it to me like the inconvenience they caused me was somehow something I should be happy about. "This happens because we're diligent about catching fraud!" "But, you didn't."