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Apple is experiencing an issue with its credit card that's preventing some users from making in-store purchases (AAPL)

Apple CardHollis Johnson/Business Insider

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Some users of Apple's in-house credit card may be experiencing issues as of Monday morning. 

Apple reported an issue with the card as of 3:30 a.m. Monday that is preventing some users from making in-store purchases. It appears that the issue is affecting those who use the card via Apple's digital wallet service, Apple Pay, rather than the physical credit card.

It's unclear how widespread the issue is or when it will be resolved. An Apple spokesperson did not immediately respond to Insider's request for comment. 

Read more: Apple's new major iOS change lets you decide if you want brands to track you across apps. Most people are opting out, and it's already crushing advertisers.

Apple unveiled the card, its first foray into physical credit cards, in March 2019. While Apple does offer a white, titanium credit card that can be used in stores, there's also a digital version of the card that's meant to be used at merchants that accept Apple Pay. 

Apple has touted the card's lack of hidden fees or late-payment fees, as well as a rewards program that offers cardholders 2% cash back when they use Apple Pay, as well as 3% back on purchases made on the App Store or iTunes. Apple has also highlighted the card's baked-in security: it comes with multiple credit card numbers in the event your card is compromised, and the physical version of the card is free of numbers altogether.

Because the Apple Card lives entirely in a virtual wallet, it offers both simplicity and an over-dependence on your iPhone, according to reviews of the card. The Wallet app allows users to easily track their spending and pay off their balance, but it also means you're locked into the Apple ecosystem more than ever. 

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