I seem to recall my co-founder being somewhat more optimistic about the whole thing. And sure enough, we found that the announcement really only seemed to boost awareness.
Apple Cards was an extremely limited and flawed product, and we already had some distinct technical and feature set advantages. It was clear Apple didn't have their heart in it nor know what they were doing. When they retired it shortly thereafter it wasn't a shock, and I ironically recall feeling somewhat sad.
The software in this space is execrable (I wrote a TeX tool to do it based on a CSV and it would've been okay if they'd allowed it to run on the server as each order came in, but they insisted instead on ganging things up which added complexity and made the files large enough that csvtool in TeX had a hard time working through them), and dealing with the USPS can be quite thorny, but as noted, customer relations is a potential minefield and managing customer expectations could get really expensive (once we had to pay $800 to have a single card delivered same-day because it was that or lose the contract).
I also argued that we should integrate the preview, generating a pixel image of the actual addresses from the typesetting system so as to push the responsibility for address verification onto the customer, but even though we were doing that for custom order books in a separate project by a different department it was shot down as an unnecessary complexity.
https://touchnote.com/us/welcome/
https://apps.apple.com/us/app/touchnote-personalized-cards/i...
Like many Apple products, it was a really neat service, but was a PITA to deal with internationally.
This and the photo prints service were the two that really made me ignore the pompous advertisements during the Keynotes. The photo books were also gorgeous, just extremely late, pricey, and dealing with UPS was utterly to exotic for the receiver. I ordered twice and gave up.
Learned to wait for what Apple would actually do outside of their bubble.
This is classic Steve Jobs. Sheer force of will.
Minimalism is difficult and expensive to achieve. Some people consider that effort worthwhile.
https://www.theknot.com/content/hand-cancel-wedding-invitati...
If you're one of those people I could absolutely imagine you'd care about a visible barcode on an envelope.
As for the design details, the proof is in the pudding. If they sold well then the person with this idea understood the vapidness of his customers to the point of contempt. But I am reminded of how things like design evolve from being there to solve a problem to over time becoming the problem itself that needs solving and the actual focus. But I don't think this is a good way to deal with things.