Goldman and Apple 'illegally sidestepped' obligations to credit-card customers

Post by starttoaster » Wed, Oct 23, 2024, 7:45 PM UTC

_mlbt wrote: post #31

talldayo wrote: post #29

Earlier quoted context omitted.

Saying "good job Apple" in the context of payment processing deals is like cheering on a slightly more buff gladiator bashing in the face of his opponent. Both of them intend to fleece the users, they just disagree over who gets priority access. I'm not saying you can't have a favorite gladiator, I'm saying you can't pretend this isn't pugilism.

My Apple Card gives me an entire month to pay off the balance, and I am actively encouraged to keep paying it off throughout the month. The cash back rewards are simple and quickly paid out. There are no late fees. The UI for the software side of it is exceptional. It is by far my favorite credit card.

Post by shuckles » Wed, Oct 23, 2024, 7:49 PM UTC

dmonitor wrote: post #37

tedunangst wrote: post #36

Earlier quoted context omitted.

But you have to click the payments option (and pay the billed amounts). If you put the full balance on your card, you can't ignore it for 12 months and then pay.

So it's only no interest as long as you make payments on time. I guess this is technically misleading advertising? It might also be that it only applied during specific circumstances (buying directly from Apple) instead of as a blanket offer. I've bought a few devices through this deal and personally am a happy customer, so I hope this doesn't kill it.

Post by paul7986 » Wed, Oct 23, 2024, 7:50 PM UTC

gtvwill wrote: post #33

paul7986 wrote: post #22

Earlier quoted context omitted.

THanks, just always have had good user experience in every way with Apple, so getting email notifications one after the other where they said you need to upgrade if you want us to continue backing your stuff up was mildly odd. Yet, in their first communication they didnt mention anything about not getting email yet they did in the third or so email which felt very anti-user to me. As for Apple Intelligence Ive been u…

Apples constant push for subscription icloud data storage is predatory at best. The amount of users/clients I come across with devices way out of date re software/security patches because their iphones not got enough space on it to download its own update and it doesn't provide a easy way to transfer large chunks of data off it like photos/videos is ridiculous. Something like 50% of users easily. Sample size probably…

Post by kbolino » Wed, Oct 23, 2024, 7:53 PM UTC

Kirby64 wrote: post #54

kbolino wrote: post #45

Earlier quoted context omitted.

There's actually a term for this: charge card. Some American Express cards still work this way (i.e., you must always pay in full on time).

No. The financing Apple is offering is typically 12 months split into 12 separate payments. That is 0% financing and not a 'charge card' style. You're still getting 11 months of delayed payments, unlike a charge card where everything is due once a month from the previous month of the card.

Post by CamperBob2 » Wed, Oct 23, 2024, 7:56 PM UTC

gtvwill wrote: post #35

shaunkoh wrote: post #10

Earlier quoted context omitted.

Uh, Gmail also has usage limits for each tier. I know before I’ve painstakingly removed emails with large attachments just so I can keep receiving my email.

15gb on the free tier...empty your emails folks. This madness of keeping every email is insane. I had a user with 60000 unopened emails on one account just 2 weeks ago. It's like some folks refuse to do basic data/comms house keeping.