Kuye kwiinyanga ezimbalwa ukususela Apple Card Ikhadi lezemali elasungulwa kwikomkhulu laseCupertino elidityaniswe neGoldman Sachs leza kwimarike. Kakade ke, inokufumaneka kuphela eUnited States... Yinto a Ikhadi letyala eliqhelekileyo njengalo naliphi na elinye, nangona kubonakala ngathi kuza nengxaki… Amashishini abathandi ukuba abathengi babo basebenzise iKhadi le-Apple ukusukela oko Ithathwa njengekhadi 'elite'. Kutheni kujongwa ngolu hlobo nje? Ngaba ikhadi elifana neKhadi le-Apple libonisa iklasi yentlalontle yomthengi? Emva kokutsiba sikuxelele ngophononongo oluhlalutya ifuthe la makhadi kumashishini.
Kwaye ukuba sithetha ngayo banempembelelo ngokwenene, kodwa iyafana nento eyenzekayo ngamakhadi afana ne-American Express. Kwaye konke oku kusekelwe kwiikhomishini ukuba amashishini kufuneka ahlawule kwiibhanki, athathwe kwisifundo Bloomberg:
Ukuba umthengi usebenzisa ikhadi IVisa yesiNtu, uMrhwebi uBoleka iBhanki ekhupha i-1.27 yeedola kwiMirhumo yokuSwayipha. Ukuba umnini wekhadi uphethe iplastiki enophawu Isiginitsha yeVisa (ethathwa njenge-Elite njengeKhadi le-Apple), umrhumo uya kunyuka ukuya kwi-1.75 yeedola. Loo ntlawulo yahlulwe phakathi kwenethiwekhi, iprosesa yentlawulo, kunye nebhanki ekhuphayo.
Kuyinyani ukuba oku kuyenzeka, kodwa konke kungenxa monopoly ukuba abaniki ikhadi wamisa, kunye neebhanki ngokwazo ekubeni becinga ukuba ngabanini bezi amakhadi e-elite anokuba namandla amakhulu okuthenga kwaye ke achitha imali eninzi kurhwebo, ngoko ke bagqithisa ikhomishini ephakamileyo yorhwebo. Yinyani okanye akunjalo, imeko nganye kufuneka ihlalutywe kwilizwe ngalinye ekubeni ekugqibeleni bonke basebenza ngokwahlukileyo ngokusekelwe kwimiqathango yebhanki nganye. Siza kubona ukuba iKhadi le-Apple liqaliswe kumazwe amaninzi, kwaye siya kubona ukuba yamkelwe kwiivenkile zabo.