• Apple last week launched its first-ever credit card, the Apple Card.
  • The Apple Card lives entirely within the Wallet app on your iPhone.
  • That means if you lose your iPhone, you won’t have a way to pay off your Apple Card bills.
  • Apple did not make a traditional web portal for people to pay off their credit-card bills. It’s iPhone or bust.
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Apple’s first-ever credit card is here – but it’s not without its issues.

While people are praising the Apple Card’s emphasis on simplicity, privacy, and ease of use, BuzzFeed News discovered one particular issue: If you lose your iPhone, you won’t be able to pay off your Apple Card bill.

That’s because the Apple Card lives entirely within the Wallet app on your iPhone. So if you don’t have an iPhone to pay, you’re out of luck.

Read more: Your Apple Card changes colors depending on what you buy – here’s how it works

Apple support recommends using another iOS device with the Wallet app, like an iPad, or reaching out to Apple support to make a payment over the phone. But this is obviously nowhere near as convenient as most credit cards, which let you pay your bills through apps or web browsers on pretty much any computing device.

Hopefully Apple will work out the kinks to its credit card and provide a separate way to pay bills, sans iPhone. Ideally, Apple would have a secure website that could verify your identity through your Apple ID, and possibly your phone and Social Security number. But if you have an Apple Card, just remember to hold on to your iPhone extra tight – if you lose your phone, it’s like also losing your wallet.

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