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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

#11
post #6

I'm guessing (and hoping) this is a bug and not intentional, but this is pretty scary. My digital personal life is almost all within Apple's ecosystem, including most of the smart devices in my house. Getting locked out for any amount of time would be super frustrating.

This is not a bug, this is by design. There is no possible way this wasn't spec'd as a test scenario to force payment compliance. They know they have leverage that a bank wouldn't have so they are using it.

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

#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 IDs is expensive because each one requires a working phone number to create.

This is really the only safe approach these days, given nonsense like this.

Because iCloud Backup is non-e2e (like most of iCloud) and thus permits Apple (and the FBI by extension without a warrant) to read whatever they want out of your phone's contents, I have to do manual corded backups periodically because Apple doesn't have their cryptographic shit together. :/

I have one old wiped phone that is signed in to my ~decade-old Apple ID for managing my Apple Card, which cannot be moved between Apple IDs (just like your purchases). I'll probably cancel the card soon and delete that account. I've already replaced all of the movies I foolishly bought years ago on iTunes with torrented copies.

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

#13
post #6

I'm guessing (and hoping) this is a bug and not intentional, but this is pretty scary. My digital personal life is almost all within Apple's ecosystem, including most of the smart devices in my house. Getting locked out for any amount of time would be super frustrating.

This is not a bug, this is by design. There is no possible way this wasn't spec'd as a test scenario to force payment compliance. They know they have leverage that a bank wouldn't have so they are using it.

And most unfortunately, there is no regulation yet that would allow you to file a complaint with the CFPB or other regulatory body (maybe in California, with regards to access to your personal data under CCPA?) over Apple's overreach as a credit facilitator (as Goldman is the issuer for the card) if this is verified as expected behavior.

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

#14
Wow, I hope this is a bug or similar. Wouldn't the card be issued by a partner bank? How this is supposed to legally implicit the products you buy from a separate company? Could it be that when the the card fails, the services paid by that card also fail to receive the payment, thus they get locked until a payment is made?

I remember stories about having an issue with an account on a Google property and losing all your access to all your Google accounts.

It's a prime reason to buy services from different companies.

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

#16
This *FEELS* (not saying it is) like a false claim. Much like the much upvoted (and later debunked) HN post from a while back when a iOS developer claimed that Apple always keeps it 30% commission, even on a refunded purchase.

I consider it worrying that a claim wholly lacking evidence is getting so much attention.

https://news.ycombinator.com/item?id=23995750

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

#17
Apple has done it before. So I am not surprised.

John Gruber ( and only him ) [1] suggest Epic was making things up when Apple would terminate Sign in with Apple on EPIC's App. While I dont fully side with EPIC on their case against Apple, on this issue alone it was clear the fault was on Apple [2].

And imagine you are in a dispute with Apple on this matter for longer than 30days without resolution, the time your iCloud would keep your backup before it is completely wipe out due to Account termination.

[1] https://daringfireball.net/linked/2020/09/29/epic-games-unre...

[2] https://twitter.com/TimSweeneyEpic/status/131179493779778355...

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

#18
Why do we even let Apple do our banking in the first place? I can't really imagine a situation where I'd rather let Apple have all my banking data instead of some random bank. Centralizing your entire digital life like that is begging for identity theft, at least from where I'm standing.

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

#19
post #4

Earlier quoted context omitted.

The presence of the button is mandatory, your use of it is not.

It’s not even mandatory unless the app offers other auth providers like Google and Facebook. If your app is based around old fashioned email and password sign-in you don’t need to include Sign In with Apple at all.

But ugh please do. From the end user's perspective I 100% do not want to navigate your app's account creation process bouncing back and forth between my email client and your website and your app (if the redirect works, which it probably wont), and I 100% do not want to give your app my actual email address. Just implement apple's Auth flow. It's not that hard.

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

#20
Sorry if this is a dumb question but I don’t have an iOS device. Could you be prevented from using the phone or internet, getting an Uber, or accessing your banking info because of this? Is it possible for somebody to get stranded if they don’t have a vehicle or any other phone? This seems like all sorts of horrible things could happen if you were travelling when you got locked out.
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