The Apple Card offers a UI/UX that no other card or bank manages to offer right now. The setup process for the physical card is nothing short of magical. The tight integration with the Wallet app on the iPhone is also something that no other bank offers. This tight integration between the Apple Card and the iPhone is also going to be a reason for a headache if you ever end up losing your phone.

There’s no web interface where you can pay your Apple Card outstanding bill. So if you ever lose your iPhone, you are going to land yourself in a world of trouble. If you get a physical Apple Card, you can continue to use it even if you don’t have access to your iPhone. But paying its outstanding bill will become a bit of a problem.

As Buzzfeed‘s Nicole Nguyen has come to know, Apple offers you two options in such scenarios. First, the company says you use your iPad or any other iOS device linked to your Apple account to pay your outstanding Apple Card bill. This is not really an ideal solution since not everyone has more than one iOS device linked to their Apple account. The second option sounds a bit more reasonable in which you will be connected to an Apple Card specialist at Goldman Sachs and after confirming your identity, you can make a payment over the phone.

In comparison, every other bank offers users with two different ways to pay their credit card bills — either through their mobile app or website. While paying the outstanding Apple Card bill right from the Wallet app on your iPhone offers a great user experience, it does not take into account those scenarios where you don’t have access to your phone. Apple should definitely offer users a backup method of paying their outstanding Apple Card bill in such scenarios.