Opt-out of sending anonymised data, to the company providing the credit service.

It doesn't matter how anonymized they claim it to be, it should be opt-in, not opt-out. Of course virtually nobody would choose to opt-in, which is the point.

> it should be opt-in, not opt-out

Sure, it would be nice if no company ever shared data with any other company, but that does not track in this case.

People signing up for an Apple branded Goldman Sachs credit card shouldn't be surprised or affronted by the fact Goldman Sachs gets anonymised data from Apple.

Why the hell anyone would sign up for this crap is beyond me. But it's not a reason to drag Apple into the context of a thread about a company guilty of basic privacy failures -- sending personal data to a 3rd party social network the user has no connection to.

Please also understand what 'anonymised' means, it means _not reversible_ i.e. you _cannot_ tell who the user is.

Have you never heard of deanonymization? In many cases you most certainly can. https://arxiv.org/pdf/1902.09897.pdf

Of course, but that suggests Apple isn't smart enough to know this and hasn't sufficiently anonymised the data, which is pure speculation?