The AI generated junk on YT front page, no login, no ad blockers, and a fresh computer is wild.

Is this what elderly folks see on a daily basis?

We are cooked, boys

YSK

If you have an Apple Card, you can schedule payments from your bank's Bill Pay feature rather than rely on Goldman Sachs to automatically debit your bank account.

tl;dr you can setup payments to originate from your bank. Follow the steps outlined under "Methodology" heading

Reasoning

You may be asking: "why" would I rely on Bill Pay? Personally, I like to have control on what is debited from my account rather than relying on external parties to "get it right". Many horror stories of creditors, services either "fat fingering" or having "internal system issues" causing auto withdrawal methods to well exceed the amount due [8]. It's honestly up to you. I bring it up here because Apple/Goldman Sachs do not advertise it and find it scummy/misleading. I hope some people find it useful.

Research

Publicly, Apple only publishes these 3 methods of paying your account balance with Goldman Sachs/Apple Card:

1. Set up automatic payments in Wallet app [1]
2. Schedule one time payments in Wallet app [2]
3. Schedule payment using "card.apple.com"

Several discussions on Apple's own discussion forum around this topic all point back to the aforementioned methods of payment [3,4,5]. One of these discussions hinted at the ability to use an external means of payment [3], but ultimately failed to provide any instructions for this.

There was a more recent discussion on this topic [6] and decided to deep dive into this address that was shared:

Goldman Sachs Bank, Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112

I cross referenced the address with my most recent statement with Apple Card (April 2025) and it does appear to be valid and owned by Goldman Sachs entity. I found it buried in the "Legal" section of my credit card statement:

... Billing Rights Summary

What To Do If You Think You Find A Mistake On Your Statement:

If you think there is an error on your statement, write to us at:

Goldman Sachs Bank USA, Salt Lake City Branch

Lockbox 6112

P.O. Box 7247

Philadelphia, PA 19170-6112 ...

I wasn't familiar with what a "Lockbox" is in mailing address, so I looked it up [7].

What Is Lockbox Banking? Lockbox banking is a service provided by banks to companies for the receipt of payment from customers.

Bingo. So I will use this address to setup Bill Pay.

So, for those unfamiliar with "Bill Pay" offered by most (if not all) US banks. I understand it as an electronic means of remitting payments to creditors (ie, Goldman Sachs) or service providers (ie, your landlord, cellular device provider). However, if payee does not support an electronic means of payment. Then the Bill Pay service will fallback on issuing a check to the address associated with the payee.

So armed with this information, I should in theory be able to remit payment from my bank's bill pay feature.

Initially, I wasn't comfortable with relying on this feature for paying my card on time since it's not even advertised as a method in the billing statement. So decided to do a small test payment well in advance of the due date at end of the month.

Methodology

1. Get "Card Number" from Wallet app

Wallet app > Tap 💳 icon in top right > authenticate with Face ID or pass code > save the "Card Number" value under "Virtual Card Number" heading

2. Create new bill payee with following information:

Account Number: replace_with_card_number_from_previous_step

Name: Goldman Sachs Bank USA, Salt Lake City Branch

Address Line 1: LOCKBOX 6112

Address Line 2: PO BOX 7247

Zip: 19170-6112

City: PHILADELPHIA

State: PA

3. Submit form to create new payee

NOTE: here I was given a quote of 1-2 days for electronic delivery. Gave me confidence this might work

4. Remit $10 payment to newly created payee

I did the aforementioned steps on 2025-05-09 and observed the following:

1. Payment scheduled via Bill Pay to be sent on 2025-05-12 and delivered to payee (Goldman Sachs) on 2025-05-14
2. Debit on account for $10 on 2025-05-12
3. 2025-05-14 received e-mail and Wallet transaction notification of an "Offline Payment" that was processed

Pros / Cons

Pros

• take away potential of GS debiting my account beyond what is due
• increase control of payments to creditor

Cons

• (at least for my bank) debit on your account happens on the send on date
• have to manually schedule every month as opposed to letting GS take what they supposedly are owed

References

[1] https://support.apple.com/en-us/102534#autopay

[2] https://support.apple.com/en-us/102534#make

[3] https://discussions.apple.com/thread/252947711?sortBy=rank

[4] https://discussions.apple.com/thread/252716535?sortBy=rank

[5] https://discussions.apple.com/thread/254433851?sortBy=rank

[6] https://discussions.apple.com/thread/255616490?sortBy=rank

[7] https://www.investopedia.com/terms/l/lockboxbanking.asp

[8] https://finance.yahoo.com/news/went-broke-because-autopay-wish-190015131.html

Amendments to the PayPal Privacy Statement Effective November 27, 2024:

We are updating our Privacy Statement to explain how, starting early Summer 2025, we will share information to help improve your shopping experience and make it more personalized for you. The key update to the Privacy Statement explains how we will share information with merchants to personalize your shopping experience and recommend our services to you. Personal information we disclose includes, for example, products, preferences, sizes, and styles we think you’ll like. Information gathered about you after the effective date of our updated Privacy Statement, November 27, 2024, will be shared with participating stores where you shop, unless you live in California, North Dakota, or Vermont. For PayPal customers in California, North Dakota, or Vermont, we’ll only share your information with those merchants if you tell us to do so. No matter where you live, you’ll always be able to exercise your right to opt out of this data sharing by updating your preference settings in your account under “Data and Privacy.”

edit: update title to reflect this is for PayPal USA users

This is abhorrent. Fuck this Christian hellhole.

What an asshole. How the fuck did this person have a “valid” CDL license?

TX truly does get washed up talent from other states and countries — from doctors to CDL drivers.

Personal injury lawyers are foaming at the mouth right now. CDL drivers definitely supposed to be carrying commercial insurance. Company hiring this numbskull didn’t do any DD. That company or insurance carrier will be opening up the check book.

2 deaths — 1 adult, 1 child. 40+ children traumatized for life.