The Apple Card is now potentially available to anyone in the U.S., so you’ll soon be able to use your (tough titanium) credit card to defeat locks, scrape paint, and open beer bottles. But it’s not all good news. Your Apple Card contract includes something called arbitration, and that’s a very bad thing. The silver lining is that you can easily opt out. Here’s how to opt out of Apple Card arbitration, and why you definitely should.