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To: tjphuhs@gmail.com
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Date: Tue, 17 Feb 2026 21:49:29 +0000
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From: "Apple Card" <no_reply@post-service.applecard.apple>
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text/css">=0D=0A  =0D=0A    sup=0D=0A    { font-size:100% !important }=0D=
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=0A <body></body>=0A</html> <html>=0A <head></head>=0A <body>=0A    <br>  =
=0A  <br>  =0A  <br>  =0A  <br>  =0A  <br>=0A </body>=0A</html>  =0A  <!-- =
end head include -->   =0A  <!-- mobile header include --> <html>=0A <head>=
</head>=0A <body>=0A  <div class=3D"mobile" style=3D"width: 0; max-height: =
0; overflow: hidden; display: none;"> =0A   <div style=3D"display:none !imp=
ortant;position: absolute; font-size:0; line-height:1; max-height:0; max-wi=
dth:0; opacity:0; overflow:hidden; color: #333333" class=3D"preheader-hide"=
>=0A     &nbsp; =0A   </div> =0A   <div class=3D"m-hero-section"> =0A    <d=
iv class=3D"m-content-hero"> =0A     <div class=3D"m1 hero-head-container" =
style=3D"padding:0;"> =0A      <div class=3D"header-bg"></div> =0A     </di=
v> =0A    </div> =0A   </div> =0A  </div>=0A </body>=0A</html> =0A  <!-- en=
d mobile header include --> =0A  <!-- CMS start mobile include --> =0A  <!-=
- BEGIN MOBILE BODY --> =0A  <div class=3D"m-max mobile" style=3D"width: 0;=
 max-height: 0; overflow: hidden; display: none;"> =0A   <div class=3D"m-gu=
tter"> =0A    <div class=3D"m-customer-info customer-info type-body-m"> =0A=
     <div class=3D"subinfo--bold">=0A      <b>Apple Card Customer:</b>=0A  =
   </div> =0A     <div class=3D"subinfo">=0A      Timothy Bourdeau=0A      =
<br> tjphuhs@gmail.com=0A     </div> =0A    </div> =0A   </div> =0A  </div>=
 =0A  <div class=3D"m-max mobile" style=3D"width: 0; max-height: 0; overflo=
w: hidden; display: none;"> =0A   <div class=3D"m-gutter"> =0A    <h1 style=
=3D"margin-top: 50px; margin-bottom: 30px; font-weight: 600; font-size: 32p=
x; line-height: 35px; letter-spacing: -1px;"> Learn how to bring your accou=
nt current during tax season </h1> =0A   </div> =0A  </div> =0A  <div class=
=3D"m-max mobile" style=3D"width: 0; max-height: 0; overflow: hidden; displ=
ay: none;"> =0A   <div class=3D"m-gutter"> =0A    <p>As of February 16, 202=
6, your Apple Card account is 16 days past due and has a past due amount of=
 $43.00. </p> =0A    <p><b>Consider using your tax refund to:</b> </p>=0A  =
  <ul> =0A     <li>Pay down your balance by making a minimum payment of at =
least the past due amount. </li> =0A     <li>Bring your account current.</l=
i> =0A     <li>Reduce your total interest paid over time.</li> =0A     <li>=
Lower your financial obligations.</li> =0A    </ul>=0A    <p></p> =0A    <p=
>To avoid going further past due, pay at least $87.00 by February 28, 2026.=
 If you haven=E2=80=99t already, you can set up <a href=3D"http://email.pos=
t-service.applecard.apple/f/a/EOs_yX7utbU6Ka0R9x8-5g~~/AANuZhA~/AfAhEa6y4xx=
_oou0sZgQPaLkwfGkxSlaPSXuv_QS1zxfsmQR0AYfX1gyvvbd_8GLsjCSS_6WRHl_xnqviYBCiw=
gxS1GSsyaESM8mKy2xwq2fH6yXQwg4TdU2yAHlgMfH">Autopay </a> for at least the M=
inimum Payment Due.</p> =0A    <p><b>Making a payment is fast and easy.</b>=
</p> =0A    <p>To regain spending privileges, pay at least the Past Due amo=
unt in <a href=3D"http://email.post-service.applecard.apple/f/a/S_9hzCj19sx=
5iLU20-KzbA~~/AANuZhA~/V1UcZLn3sfQu9rgv5vSEA3GKo9n5Do6vKF9JbAs2WhWh4CtFrcCg=
bICiQp1QjJq-NNyX3iXcm-Sad-AUsdjoslspDwgnL5E_wQJ5EjbDKNICXFH-ZhIV2u3PHr54TV2=
mDrkMqxUNymKA_u-xGSWXjA~~">Wallet </a> or <a href=3D"http://email.post-serv=
ice.applecard.apple/f/a/S_9hzCj19sx5iLU20-KzbA~~/AANuZhA~/V1UcZLn3sfQu9rgv5=
vSEA3GKo9n5Do6vKF9JbAs2WhWh4CtFrcCgbICiQp1QjJq-NNyX3iXcm-Sad-AUsdjoslspDwgn=
L5E_wQJ5EjbDKNICXFH-ZhIV2u3PHr54TV2mDrkMqxUNymKA_u-xGSWXjA~~">online</a>. P=
aying more than the Minimum Payment Due can help you accrue less in interes=
t charges in the future and reduce your total balance of $1,394.69. <a href=
=3D"http://email.post-service.applecard.apple/f/a/OzayWgPy3E9djXvb3mAq6A~~/=
AANuZhA~/dVhc2f2Ffkb6jJj6JAB07IwlQI2MsaIwrPR62GHs2_H1ZQ30m1orwFtZsdGMj8VK8Z=
4o9bvs83dUSrn49bxwb_J9tafqrt7O-zcORlC0IN0Wwj-w25CScJLR5mcNe_wZ">Learn how t=
o pay your Apple Card bill</a></p> =0A    <p><b>We=E2=80=99re here to help.=
</b></p> =0A    <p>If you=E2=80=99re having difficulty making your minimum =
payment, contact an Apple Card Specialist to see if you=E2=80=99re eligible=
 for assistance. <a href=3D"http://email.post-service.applecard.apple/f/a/3=
FSdTXnIsR0Xz_guvoNR4w~~/AANuZhA~/AfAhEa6y4xx_oou0sZgQPaLkwfGkxSlaPSXuv_QS1z=
w-qTA4DSqAaLk0Ys4Nfh4fs_Cr_Ozf0V9nzkgEUkcW23Mmn5OsbGyndE-e9xB9DaJV_0uo_gdRD=
wepAZC_4M0i">Learn about Apple Card payment assistance plans</a></p>  =0A  =
  <br> =0A   </div> =0A  </div> =0A  <div class=3D"m-max mobile" style=3D"w=
idth: 0; max-height: 0; overflow: hidden; display: none;"> =0A   <div class=
=3D"m-gutter"> =0A    <div class=3D"m-divider"></div> =0A   </div> =0A  </d=
iv> =0A  <!-- END MOBILE BODY --> =0A  <!-- mobile get-in-touch-cta include=
 --> <!-- BEGIN MOBILE get-in-touch-cta -->=0A<html>=0A <head></head>=0A <b=
ody>=0A  <div class=3D"m-max mobile get-in-touch-m" style=3D"width: 0; max-=
height: 0; overflow: hidden; display: none;"> =0A   <div class=3D"m-gutter"=
> =0A    <p class=3D"m3 bold type-body-m">Get in touch with a Specialist. A=
vailable 24/7.</p> =0A    <div class=3D"row"> =0A     <div class=3D"image c=
olumn"> =0A      <img class=3D"header-icons" src=3D"https://applecard.cdn-a=
pple.com/i/251AB4F7-5468-4EAD-84B7-D867FFD47F89/icon_message_mobile_2x.png"=
 width=3D"31" height=3D"31" style=3D"" border=3D"0" alt=3D""> =0A     </div=
> =0A     <div class=3D"m-text-column column type-body-m m-chat">=0A       =
 =0A      <a href=3D"http://email.post-service.applecard.apple/f/a/zSdG2nuO=
MKooctUCg_Zflw~~/AANuZhA~/Msnki4YXIymqv-0wf_aaYQFCkapY7PxIzIE-lgEX_sTQ95VES=
YghosgFgn85uLa-0EccL5rkYgJ7nh8pUkdrpfPhBeanMYtzNdnO3Is6KICW0M0mKn8VN_i6cm8f=
22qvmnupNhB42_uLtj8DmY9VQnXoec9_BrAUnjGdCuQSLQpnln_YoiHfm6MoAI0npIO_8ckJXpM=
7cC86BhAs6qwNHP9HH2doUGdeJyEBgIznbouWxlgPY0AaHu780oL5OgPh6sduc_tbywb9DB7Scl=
lSQeDWGYAl7V9zH0uaOzfjCudfVIju5HFPykwdlzTBxlVUtzDdfo-P0Imoyu1ABm_x7JMqDE2C1=
ztDi6xOQF_SjnetD2DYl8bC4zzPdzWwIEFtcYIF_dwSUaqcy3OS6d7-KtPeyDWfgmw1xlkKAUxX=
wvIwbt5v219yuu9Oqxv--y6wF4Al3zPoLuYIfVYuNRA9Qg~~" style=3D"border: 0; outli=
ne: 0;">Chat now</a>  =0A     </div> =0A    </div> =0A    <div class=3D"row=
"> =0A     <div class=3D"image column"> =0A      <img class=3D"header-icons=
" src=3D"https://applecard.cdn-apple.com/i/251AB4F7-5468-4EAD-84B7-D867FFD4=
7F89/icon_call_mobile_2x.png" width=3D"31" height=3D"31" style=3D"" border=
=3D"0" alt=3D""> =0A     </div> =0A     <div class=3D"m-text-column column =
type-body-m"> =0A      <a href=3D"tel:1-877-255-5923" style=3D"border: 0; o=
utline: 0;">1-877-255-5923</a> =0A     </div> =0A    </div> =0A   </div> =
=0A  </div> =0A  <!-- END MOBILE get-in-touch-cta -->=0A </body>=0A</html> =
=0A  <!-- end mobile get-in-touch-cta include --> =0A  <!-- CMS end mobile =
include --> =0A  <!-- mobile footer include --> <!-- MOBILE BOTTOM -->=0A<h=
tml>=0A <head></head>=0A <body>=0A  <div style=3D"width:0; max-height:0; ov=
erflow:hidden; display:none;" class=3D"mobile m-footer"> =0A   <div class=
=3D"f-legal m-max"> =0A    <div class=3D"m-gutter"> =0A     <p>Apple Card i=
s issued by Goldman Sachs Bank USA, Salt Lake City Branch.</p> =0A     <p>G=
oldman Sachs Bank USA, Salt Lake City Branch, Lockbox 6112, P.O. Box 7247, =
 Philadelphia, PA 19170-6112</p> =0A    </div> =0A   </div> =0A  </div> =0A=
  <!-- DESKTOP VERSION --> =0A  <table role=3D"presentation" width=3D"100%"=
 class=3D"desktop" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=
=3D"center"> =0A  </table>=0A </body>=0A</html> =0A  <!-- end mobile footer=
 include --> =0A  <!-- desktop header include --> <html>=0A <head></head>=
=0A <body>=0A  <table width=3D"736" class=3D"desktop" cellspacing=3D"0" cel=
lpadding=3D"0" border=3D"0" align=3D"center"> =0A   <tbody> =0A    <tr> =0A=
     <td align=3D"center"> =0A      <table width=3D"712" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" align=3D"center"> =0A       <tbody> =0A     =
   <tr> =0A         <td class=3D"d1" align=3D"center" style=3D"padding: 0 0=
 0 0;"> <img src=3D"https://applecard.cdn-apple.com/i/A8B6EDCF-3CE2-49F6-BF=
97-FE780346A4AA/hero_desktop_v7_2x.png" width=3D"736" height=3D"166" class=
=3D"hero-image" style=3D"display: block;" border=3D"0"> </td> =0A        </=
tr> =0A       </tbody> =0A      </table> </td> =0A    </tr> =0A   </tbody> =
=0A  </table>=0A </body>=0A</html> =0A  <!-- end desktop header include -->=
 =0A  <!-- CMS start desktop include --> =0A  <!-- BEGIN DESKTOP BODY --> =
=0A  <table role=3D"presentation" width=3D"736" class=3D"desktop" cellspaci=
ng=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center"> =0A   <tbody>=0A =
   <tr> =0A     <td align=3D"center"> =0A      <table width=3D"550" role=3D=
"presentation" cellspacing=3D"0" cellpadding=3D"0" outline=3D"0" border=3D"=
0" align=3D"center" bgcolor=3D"#FFFFFF" style=3D"background-color: #FFFFFF;=
"> =0A       <tbody>=0A        <tr> =0A         <td valign=3D"top" align=3D=
"left" style=3D"color: #333333; font-size: 14px; line-height: 20px; padding=
: 0; max-width: 550px; overflow-wrap: break-word;"><b>Apple&nbsp;Card Custo=
mer:</b><br> Timothy Bourdeau, tjphuhs@gmail.com </td> =0A        </tr> =0A=
       </tbody>=0A      </table> </td> =0A    </tr> =0A   </tbody>=0A  </ta=
ble> =0A  <table role=3D"presentation" width=3D"736" class=3D"desktop" cell=
spacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center"> =0A   <tbody=
>=0A    <tr> =0A     <td> =0A      <table cellspacing=3D"0" width=3D"550" b=
order=3D"0" cellpadding=3D"0" align=3D"center" class=3D"appl_headline" styl=
e=3D"margin:0 auto"> =0A       <tbody>=0A        <tr> =0A         <td align=
=3D"" style=3D"padding-top:50px;padding-bottom:25px"> <p style=3D"font-fami=
ly: system-ui, -apple-system, BlinkMacSystemFont, Segoe UI, Helvetica Neue,=
 Helvetica, Arial, sans-serif;color:#111111; font-weight:600;font-size:40px=
;line-height:44px;letter-spacing:0;border-bottom:0;"> Learn how to bring yo=
ur account current during tax season </p> </td> =0A        </tr> =0A       =
</tbody>=0A      </table> </td> =0A    </tr> =0A   </tbody>=0A  </table> =
=0A  <table role=3D"presentation" width=3D"736" class=3D"desktop" cellspaci=
ng=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center"> =0A   <tbody>=0A =
   <tr>=0A     <td align=3D"center"> =0A      <table role=3D"presentation" =
width=3D"550" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"cen=
ter"> =0A       <tbody>=0A        <tr> =0A         <td class=3D"d1" align=
=3D"left" valign=3D"top" style=3D"padding: 0;"> <p>As of February 16, 2026,=
 your Apple Card account is 16 days past due and has a past due amount of $=
43.00. </p> <p><b>Consider using your tax refund to:</b> </p>=0A          <=
ul> =0A           <li>Pay down your balance by making a minimum payment of =
at least the past due amount. </li> =0A           <li>Bring your account cu=
rrent.</li> =0A           <li>Reduce your total interest paid over time.</l=
i> =0A           <li>Lower your financial obligations.</li> =0A          </=
ul><p></p> <p>To avoid going further past due, pay at least $87.00 by Febru=
ary 28, 2026. If you haven=E2=80=99t already, you can set up <a href=3D"htt=
p://email.post-service.applecard.apple/f/a/EOs_yX7utbU6Ka0R9x8-5g~~/AANuZhA=
~/AfAhEa6y4xx_oou0sZgQPaLkwfGkxSlaPSXuv_QS1zxfsmQR0AYfX1gyvvbd_8GLsjCSS_6WR=
Hl_xnqviYBCiwgxS1GSsyaESM8mKy2xwq2fH6yXQwg4TdU2yAHlgMfH">Autopay </a> for a=
t least the Minimum Payment Due.</p> <p><b>Making a payment is fast and eas=
y.</b></p> <p>To regain spending privileges, pay at least the Past Due amou=
nt in <a href=3D"http://email.post-service.applecard.apple/f/a/S_9hzCj19sx5=
iLU20-KzbA~~/AANuZhA~/V1UcZLn3sfQu9rgv5vSEA3GKo9n5Do6vKF9JbAs2WhWh4CtFrcCgb=
ICiQp1QjJq-NNyX3iXcm-Sad-AUsdjoslspDwgnL5E_wQJ5EjbDKNICXFH-ZhIV2u3PHr54TV2m=
DrkMqxUNymKA_u-xGSWXjA~~">Wallet </a> or <a href=3D"http://email.post-servi=
ce.applecard.apple/f/a/S_9hzCj19sx5iLU20-KzbA~~/AANuZhA~/V1UcZLn3sfQu9rgv5v=
SEA3GKo9n5Do6vKF9JbAs2WhWh4CtFrcCgbICiQp1QjJq-NNyX3iXcm-Sad-AUsdjoslspDwgnL=
5E_wQJ5EjbDKNICXFH-ZhIV2u3PHr54TV2mDrkMqxUNymKA_u-xGSWXjA~~">online</a>. Pa=
ying more than the Minimum Payment Due can help you accrue less in interest=
 charges in the future and reduce your total balance of $1,394.69. <a href=
=3D"http://email.post-service.applecard.apple/f/a/OzayWgPy3E9djXvb3mAq6A~~/=
AANuZhA~/dVhc2f2Ffkb6jJj6JAB07IwlQI2MsaIwrPR62GHs2_H1ZQ30m1orwFtZsdGMj8VK8Z=
4o9bvs83dUSrn49bxwb_J9tafqrt7O-zcORlC0IN0Wwj-w25CScJLR5mcNe_wZ">Learn how t=
o pay your Apple Card bill</a></p> <p><b>We=E2=80=99re here to help.</b></p=
> <p>If you=E2=80=99re having difficulty making your minimum payment, conta=
ct an Apple Card Specialist to see if you=E2=80=99re eligible for assistanc=
e. <a href=3D"http://email.post-service.applecard.apple/f/a/3FSdTXnIsR0Xz_g=
uvoNR4w~~/AANuZhA~/AfAhEa6y4xx_oou0sZgQPaLkwfGkxSlaPSXuv_QS1zw-qTA4DSqAaLk0=
Ys4Nfh4fs_Cr_Ozf0V9nzkgEUkcW23Mmn5OsbGyndE-e9xB9DaJV_0uo_gdRDwepAZC_4M0i">L=
earn about Apple Card payment assistance plans</a></p>  </td> =0A        </=
tr> =0A       </tbody>=0A      </table> </td> =0A    </tr>=0A   </tbody>=0A=
  </table> =0A  <table role=3D"presentation" width=3D"736" class=3D"desktop=
" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center"> =0A   =
<tbody>=0A    <tr> =0A     <td align=3D"center"> =0A      <table role=3D"pr=
esentation" width=3D"550" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" =
align=3D"center"> =0A       <tbody>=0A        <tr> =0A         <td width=3D=
"550" style=3D"padding: 10px 0 0 0;">&nbsp;</td> =0A        </tr> =0A      =
  <tr> =0A         <td width=3D"550" valign=3D"top" align=3D"center" class=
=3D"d-divider" style=3D"border-color: #d6d6d6; border-top-style: solid; bor=
der-top-width: 1px; font-size: 1px; line-height: 1px;"> &nbsp;</td> =0A    =
    </tr> =0A        <tr> =0A         <td width=3D"550" style=3D"padding: 4=
px 0 0 0;">&nbsp;</td> =0A        </tr> =0A       </tbody>=0A      </table>=
 </td> =0A    </tr> =0A   </tbody>=0A  </table> =0A  <!-- END DESKTOP BODY =
--> =0A  <!-- desktop get-in-touch-cta include --> <!-- BEGIN DESKTOP get-i=
n-touch-cta -->=0A<html>=0A <head></head>=0A <body>=0A  <table role=3D"pres=
entation" width=3D"736" class=3D"desktop" cellspacing=3D"0" cellpadding=3D"=
0" border=3D"0" align=3D"center"> =0A   <tbody> =0A    <tr> =0A     <td ali=
gn=3D"center"> =0A      <table role=3D"presentation" width=3D"550" cellspac=
ing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center"> =0A       <tbody=
> =0A        <tr> =0A         <td class=3D"type-body-d" align=3D"left" vali=
gn=3D"top" style=3D"padding: 3px 0 0 0;"> <b>Get in touch with an Apple Car=
d Specialist. Available 24/7.</b> </td> =0A        </tr> =0A        <tr hei=
ght=3D"4"></tr> =0A       </tbody> =0A      </table> =0A      <table role=
=3D"presentation" width=3D"550" cellspacing=3D"0" cellpadding=3D"0" border=
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class=3D"get-in-touch-icon" align=3D"center" width=3D"31" valign=3D"top" st=
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