So you enter your name, address, and what not into ApplePy, and I imagine the first pass verification is matching that up against what the bank has on file. After that, I had to call the bank and answer all the security questions they usually require for over-the-phone account access (Chase actually tried to trick me asking me who was the lender on my auto loan, when the correct answer was I don't have an auto loan :) ). I imagine you would not get very far sneaking someone else's credit card into your iPhone; Apple will know how to track you down!