Note: Apple Card is only available in the United States today.
   However, Apple's former [1]CFO Peter Oppenheimer sits on a Board of
   Directors with a history of jeopardizing international diplomacy
   innovation. For example: [2]https://nexo.io/nexo-card.
   Apple Card and NEXO Card regulatory arbitrage tricks are a New York
   based Board of Directors deferred agreement negligence concern.
   News this week out of the UK seems to be setting new international
   standards.
   JANUARY 05, 2022
   Apple is facing a potential collective action worth up to £1.5bn
   brought on behalf of almost 20 million users of iPhones and iPads in
   the UK over allegedly abusive conduct in relation to app distribution
   and payment processing services on certain Apple devices provided via
   the App Store.
   [3]https://www.lawgazette.co.uk/news/apples-bid-to-reveal-ate-premiums-
   refused-by-tribunal/5111040.article

References

   1. https://www.goldmansachs.com/about-us/people-and-leadership/leadership/board-of-directors/peter-oppenheimer.html
   2. https://nexo.io/nexo-card
   3. https://www.lawgazette.co.uk/news/apples-bid-to-reveal-ate-premiums-refused-by-tribunal/5111040.article