Apple CEO Tim Cook delivers the keynote address during the 2019 Apple Worldwide Developer Conference (WWDC) at the San Jose Convention Center on June 03, 2019 in San Jose, California.

Buried in the fine print for the new Apple credit card is what's called an "arbitration provision."

What that means is that in the event of a dispute with Apple or Goldman Sachs, the bank that actually manages the card and handles the financing, you might have forfeited your right to sue either company. Instead, Goldman Sachs or Apple can choose to resolve the problem through an arbitration process, in which a theoretically neutral judge outside of the court system decides.

"You hereby knowingly and voluntarily WAIVE THE RIGHT TO BE HEARD IN COURT OR HAVE A JURY TRIAL on all Claims subject to this Agreement," according to the Apple Card customer agreement posted on the Goldman Sachs website. (The capital letters are from the contract.)

The arbitration clause is active by default when a consumer applies for and is approved for an Apple Card.

However, consumers can "opt-out" by contacting Goldman Sachs in the first 90 days. And it's relatively easy compared with other cards.

An easy-to-use chat interface lets you opt out by sending text messages from your iPhone. (There are also ways to opt-out by sending a letter or calling a phone number.)

To use it, open up the Wallet app on your iPhone and tap on your Apple Card, which brings you to the main Apple Card interface. In the top right hand corner, tap the three dot menu, and on the next screen, press "Message," which should be under your name.

It should bring you to an automated text message chain labeled "Apple." Ask to opt out, and you should be done.