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If you miss an Apple Card payment, Apple disables all your Apple accounts

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Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#221

Post by sneak »

AnonC wrote: post #216
sneak wrote: post #12

After a decade deep into the Apple/iOS ecosystem, I now make a unique disposable Apple ID for each and every mobile device, and eschew all paid apps. I don't use iCloud at all. I don't use an Apple ID on desktops at all, save for one that has its own disposable one for certain essential apps that are not available elsewhere (Apple Configurator 2 is required to restore M1 macs). Making entirely unlinked/unique Apple I…

This is quite interesting and I’d like to know about the reasons as well as how all these are managed, the constraints, and any other annoyances you might face because of this approach. Using iCloud makes sharing things so easy across devices, and I’m not for trading off one bad service for another bad service (am not implying that you are). If you ever write this up (or have written this up) in detail, please do sha…

I use the devices primarily as clients for cloud computing services: IMAP email boxes, Signal, Google Voice, Standard Notes, Spotify, Feedly, ProtonMail, Slack, Mattermost, et c. I find I have relatively little need for "sharing things across devices" that aren't met by the cloud functionality of apps.

The big one I thought I was going to miss: contacts sync. I don't miss it. I keep a phone number list in Standard Notes. Most of the functionality of Signal's "recent conversations" covers this need for me.

I'm setting up nextcloud soon and I understand that can do contacts/calendar sync to iOS. The only thing I haven't found a solution for is email inbox delegation and shared calendars.

You're right that this would make a good writeup.

Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#222

Post by monadic7 »

danielhlockard wrote: post #124
monadic7 wrote: post #65

Earlier quoted context omitted.

I don't think that's possible with any line of credit. Our entire society is built off of interest rates.

No interest if you pay off the balance of the card every month. Tons of people do it.

Sure, tons of people don't, too. That's why creditors exist. When you use a credit card you're funding the impoverishment of others.

Granted, there's not much way to avoid that in american society.

Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#223

Post by wbronitsky »

wbronitsky wrote: post #177
notJim wrote: post #139

Earlier quoted context omitted.

The level of evidence you're expecting is unreasonable given the events. Consider it from his perspective, which is what most of us are doing: You suddenly notice that you can't access any of the stuff you need to live out your life. Oh fuck. You make a tweet in a panic, and maybe hoping to get some attention, since the faceless trillion dollar company doesn't give a fuck about you. The tweet blows up, and wbronitsky…

I think my posting history would show that I’m far from a company shill. It would be cool to respond to the best interpretation of my post, instead of the worst, maybe. Either way, I’m sure this person had their account frozen; I’m merely wondering how this person knows that there is policy at Apple to intentionally do such things.

The OP posted a hugely contradictory post with respect to these original comments. The tweet and the defensive comments here now hold no water.

This forum is no longer seems a place for rational conversation backed up by facts. The GP used dismissive language to put me down and even called me out by my user name in an attempt to intimidate me into silence. I flagged it, but nothing happens; in HN it’s not the intent but purely the language. We are allowed to go on insulting and attacking each other as long as it’s subtle enough to be able to be explained away. This is corporate gaslighting coming down to us here.

It’s a trap full of idiotic rhetorical devices and capitalist wannabes. But then I remind myself that really HN is just a tool for billionaires to steal our ideas.

Receipts: https://dcurt.is/apple-card-can-disable-your-icloud-account

Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#224

Post by wbronitsky »

jefftk wrote: post #198
wbronitsky wrote: post #175

Earlier quoted context omitted.

> he has credibility here I don’t even know how to respond to this appeal to amorphous authority, and to reply to the best possible interpretation of the post, I’ll pass over it. I’m sure this person is not lying that their account was shut down; I’m asking for an accounting of the Apple policy that supposedly exists. It would certainly be something I would be deeply concerned about.

I'm not saying you have to take Dustin's word for it or anything, but I think him being known to many here makes his tweet more likely to be upvoted than if it were posted by someone without a reputation.

I would like to point out that the tweet and subsequent comments were inflammatory nonsense. Here is the proof https://dcurt.is/apple-card-can-disable-your-icloud-account

Maybe we shouldn’t just blindly believe and defend people just because lots of karma and Twitter followers and built a thing. I think these actions make this forum much much worse.

Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#225

Post by zepto »

totalZero wrote: post #218
zepto wrote: post #196

Earlier quoted context omitted.

I’m not accusing you of anything. There is clearly reason to doubt what Dcurtis said, as you have agreed. I’m referring to this overall conversation which is a discussion of a statement by Dcurtis, which we already know is not what it originally sounded like, and may turn out to be false.

Doubting something and dismissing it are two different animals in the same zoo. https://dcurt.is/apple-card-can-disable-your-icloud-account Turns out his issue is also related to an M1 purchase. Go figure.

This discussion wasn’t dismissing anything.

They were just saying that it was highly unlikely to be true.

This is his original statement:

> If you miss an Apple Card payment, Apple disables all your Apple accounts

It turns out that as writing it is complete and utter bullshit.

Also, Apple Card provides a lot of notifications of due payments if you don’t have autopay.

Somehow he doesn’t mention those.

The fact that he made a bullshit statement thar would have been cause for great concern if true, to a much more complicated story of compounded errors that would affect very few people and doesn’t explain how he missed the warnings, undermines his credibility.

Seems like he screwed up and is just trying to save face.

The comment thread on the more accurate blog post he wrote later seems like a very reasonable discussion of the issue itself.

This comment thread is a reasonable discussion about how it seemed like he made a false statement, because that’s what he did.

Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#226

Post by the_economist »

dcurtis wrote: post #83

I didn't expect that tweet to get so much attention. I plan to write more about what exactly happened when my accounts are re-activated. But to clear a couple of things up: 1. I've since learned that the reason this happened could be due to an unusual confluence of events including Apple Card, autopay, and the online Apple Store. 2. The disabling of iCloud, App Store, and Apple ID accounts is actually an Apple Card p…

Did you happen to do a chargeback in the past month?

I'm aware of a situation where a user wanted to cancel an account with an app they had subscribed to via the app store. To do so they did a charge back on their credit card. Because he bought via the app store he ended up charging back Apple.

Apple then blocked his icloud.

Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#227

Post by tatersolid »

sneak wrote: post #186
caeril wrote: post #50

Earlier quoted context omitted.

> because each one requires a working phone number to create This isn't true. I have an email-only apple account that works fine. My lock screen constantly carries a "Verify your phone number" badge that's rather annoying, but otherwise everything functions.

It is true today. It wasn't in the past. You can't today make a new Apple ID without a phone number. (Please double check that your information is current before you claim something is false.)

I made apple IDs for all three of my children without a phone number or pre-existing email address (their @icloud.com email was their first, created during setup).

Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#228

Post by spiritplumber »

selfhoster11 wrote: post #168
spiritplumber wrote: post #86

I don't have a US credit score because I never had a credit card in my life and always bought everything with money I knew I had (including my little home). That never fails to completely throw financial institutions for a loop; they can't conceptualize it. Ironically it means that if I was to apply for a credit card it would be very difficult to get it.

In other countries at least, there are score-builder credit cards that come with relatively high interest (and presumably capped credit limits) to allow high-risk borrowers such as yourself to build up their credit history. Once you use one of these for a while and pay it off every month, you would start building up a credit history/credit score that would allow you access to better lending deals.

That's the thing though: someone who has bought their car and their home in cash isn't a high-risk borrower, rather, he or she is someone who is able to save in order to do that, so he or she should be considered a low-risk borrower. I'm not going to acquiesce to the contrary.

Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#229

Post by spiritplumber »

lotsofpulp wrote: post #130
spiritplumber wrote: post #86

I don't have a US credit score because I never had a credit card in my life and always bought everything with money I knew I had (including my little home). That never fails to completely throw financial institutions for a loop; they can't conceptualize it. Ironically it means that if I was to apply for a credit card it would be very difficult to get it.

>That never fails to completely throw financial institutions for a loop; they can't conceptualize it. They can conceptualize it. No one has come up with an automated way to adequately predict someone's ability to repay a loan other than the current credit reporting system that greatly factors in one's history of repaying previous loans. If you have a better idea, it's probably worth a lot of money. >Ironically it mea…

That's the thing though: someone who has bought their car and their home in cash isn't a high-risk borrower, rather, he or she is someone who is able to save in order to do that, so he or she should be considered a low-risk borrower. That's simple logic, really.
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