While all the other credit card issuers are falling over themselves to invent new fees and penalties to soak people with, I think Apple's game is to just be content getting a little piece of, well, everything.

As soon as I have my Apple Card, I'm putting all the others in the shoe box. I hope Margaret Keane likes Paleo, 'cuz the golden eggs are going to be in short supply soon.

I think Goldman just wants to get into consumer finance and that means paying to get the foot in the door.