Goldman faces probe after entrepreneur slams Apple Card algorithm in tweets

&gt; David Heinemeier Hansson railed against the Apple Card for giving him 20 times the credit limit that his wife got<p>Heh, <i>railed</i>. Good on DHH for using his platform and bringing light to an issue like this.<p>Original thread on Twitter: <a href="https:&#x2F;&#x2F;twitter.com&#x2F;dhh&#x2F;status&#x2F;1192540900393705474" rel="nofollow">https:&#x2F;&#x2F;twitter.com&#x2F;dhh&#x2F;status&#x2F;1192540900393705474</a>

It&#x27;s pretty much impossible to determine from the outside whether the algorithm discriminates against woman (without a reasonably large and actually random sample of customers). But that is also part of the complaint, as the algorithm is a black box that even the customer support employees can&#x27;t look into. Humans just blindly following a black box algorithm without the option to manually handle cases where the algorithm produces weird results has quite a dystopian feel to me. Especially if it&#x27;s used for more consequential cases than credit card limits.

Confused. They are saying that nearly all married couples (male:female) with joint everything and the same credit history are showing consistently the husbands having more credit? Or just one single person out of millions? As one would assume there are probably many similar cases but where the wife got more credit no?

there are a lot of variables that go into determining a credit score.<p>in this particular case, i could imagine that in his role as partner as Basecamp there is a longer &quot;credit trail&quot; attributed to him just from a business operational standpoint beyond his joint family tax filing. that alone could explain the discrepancy between him and his wife beyond sexism.

Honestly it just sounds like this guy hasn&#x27;t applied for very many credit cards :)<p>Sometimes you get a good limit, sometimes you don&#x27;t.

When I was looking through the twitter replies last night, multiple people claimed the opposite happened (the female got the higher limit). It’s sad that the journalist either didn’t look into it or preferred not to stray from the implication that the algorithm is sexist rather than just buggy.

What&#x27;s the sample size here?