Apple Card, like any service that lives solely on iPhone, becomes a major inconvenience when a device is lost or stolen, with users in some cases forced to contact customer service to perform essential tasks like paying off their balance.

Apple Card is Apple's answer to traditional and sometimes complicated credit card solutions. It is also a product that promises to make the iPhone and its accompanying iOS device ecosystem much more sticky.

Similar to Apple Pay, Wallet is the hub through which Apple Card functions. From here users can manage card preferences, view recent purchases, peruse past statements, quickly see spending breakdowns, calculate payments and more. And for now, it's only available on iOS.

The process is not only feature-rich, but — with no alternative means of accessing card data — extremely secure. Therein lies the rub.

As noted by BuzzFeed News, Apple currently restricts most actions to Wallet, including paying off an existing balance. With no online alternative, misplacing, losing or having an iPhone stolen means users are stripped of access to Apple's lone avenue of account management.

According to an Apple Support representative, Apple Card holders without their primary device can access Wallet on another iOS device or call Apple Support to speak with an Apple Card specialist from card issuer Goldman Sachs. To make a payment, users will need to furnish their name, date of birth, last four digits of their Social Security number and the phone number tied to the account, the report said.

Alternatively, activating payment scheduling can lower the risk of incurring interest charges until the iPhone is returned or a new handset is purchased.

A hassle, yes, but for some the price is worth paying for effective account security.