【百川MBA网讯】There may be a lot less than meets the eye to social media charges of gender discrimination against the Apple Card and its joint partners, Apple Inc. and Goldman Sachs—charges that went viral this weekend and continue to gain traction.
Although the secret nature of credit card algorithms at the heart of the dispute make it impossible to know for sure, experts believe less nefarious factors likely explain why the wives of two tech titans were given far lower credit limits than their husbands—and that the issues involved are not unique to Apple and Goldman Sachs but rather are common throughout the credit card industry.
A wife who is primarily a homemaker or who earns a lot less than her husband and lists only her own income on a card application may end up with a much lower credit limit even if she has an excellent credit score. A number of the negative Apple Card tweets alluded to this as an example of how the algorithm might inadvertently discriminate against women, who are more likely to make less money or not work outside the home than men.
文本选自：Newsweek(新闻周刊)
作者：Diane Harris
原文标题：Apple Card Gender Bias? Don't Assume its Discrimination, Experts Warn
参考翻译
社交媒体上对苹果信用卡及其合作伙伴苹果公司和高盛投资公司的性别歧视指控可能远没有人们想象的那么严重，这些指控周末在网上疯传，并继续获得关注。
尽管争议核心的信用卡算法的秘密性质(信用额度的计算)无法确定，但专家们认为，非恶意因素可能解释了为什么两个科技巨头的妻子的信用额度要比其丈夫低得多，而所涉及的问题并非苹果和高盛独有，而是在整个信用卡行业都很普遍。
如果妻子主要是家庭主妇，或者收入比丈夫低很多，并且在信用卡申请表上仅列出自己的收入，那么即使她的信用评分极佳，最终她的信用额度也可能低得多。许多关于苹果信用卡的负面推文都暗示了这一点，以此作为该算法可能在无意中歧视女性的例子，这些女性比男性挣的钱更少，或者在外面工作的机会更少。
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