Other Apple card and trade in question?

[likegadgets]

So I got the AppleCard to for an Apple purchase. Bought a new iPhone SE and traded in an iPhone 7. I did get the 3% daily cash. When the trade in took place and they credited back $150 for the trade in, Goldman charged back $4.50 or 3%. I feel this is just a hidden fee and sneaky (and possibly illegal under some State's consumer laws). There are three parties involved and two separate transactions. Apple, Goldman, & the partner that handles the Trade in. Transaction #1 is a purchase of a phone at full price. They are treating the trade in as a returned merchandise, hence the 3% adjustment on the return, but that is not the case. It is really a sale of the used iPhone for $150, and the method of payment is a $150 credit to the Apple Card, for a different phone on a separate non conditioned transaction. It is sneaky because on the transaction for the Trade in they state you will receive a full $150 for your trade in, not $150 minus 3%. They force the credit to be on the Apple card, so not like you have a choice that is disclosed at that specific moment (I now know if you do it subsequently, it is treated differently - but not such disclosure). So is it worth it to use the Apple Card?. In most cases NO, particularly if you do not need to pay later. Here they credited 3% of a $436.91 purchase or $13.11. Then they carved out $4.50 on the trade in netting an $8.61 benefit for using this card. Using an AMEX I have, I would have gotten an extra year warranty. Damage protection and loss protection for a period plus some airline miles. Clearly a better choice. On top of that it takes forever to get a text response to an inquiry and long time on hold to reach them. This is my first and last transaction with the Apple card. Just sharing in case you are considering a trade and and determining what is a better value on payment methods.