If you miss an Apple Card payment, Apple disables all your Apple accounts • Hacker News Board

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

#111

Post by coliveira » Mon, Mar 01, 2021, 9:25 PM UTC

ls612 wrote: post #57

caymanjim wrote: post #48

Earlier quoted context omitted.

> So, little embarrassed to admit this, but: I plumb forgot to set up autopay on my Apple Card when I first got it. Why is that embarassing? Why on earth would you set up auto-pay? That's just asking for a headache if anything is every compromised, or if a vendor fraudulently or accidentally overcharges you. Reversing charges from your bank is a headache, and rogue charges can quickly cascade into a series of overdra…

Credit card auto pay only happens 4 weeks or more after the charges post. If there is fraudulent activity on your account there’s lots of time to address it before it becomes a bank charge.

Depends on when the charge was made. If the charge was made the day before the scheduled payment, you will have problems.

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

#112

Post by Bud » Mon, Mar 01, 2021, 9:26 PM UTC

wbronitsky wrote: post #103

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…

This poster continues to fling accusations at Apple and has yet to provide any proof of any of these suppositions whatsoever. I’m not sure why the commenters are so eager to believe a comment from a random Twitter account posted to HN. Confirmation bias is strong, I guess. This is a heavy accusation and I think the burden is heavily on the accuser to provide clear evidence that lack of payment for anything somehow lo…

Downvoting of this comment is ludicrous.

This is a very serious accusation and it's irresponsible to fling around such charges without evidence.

There's no way Apple is doing this.

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

#113

Post by totalZero » Mon, Mar 01, 2021, 9:26 PM UTC

kevindong wrote: post #61

totalZero wrote: post #29

Earlier quoted context omitted.

Do you have any evidence aside from a feeling? Just curious.

The onus of providing proof is on the claimant. At the time of writing, there was none. I agree with rblatz's response's reasoning.

You're making a claim too, kevindong.

I'm just asking whether there's any meat to your claim.

I can tell from your response that there is not. For example, evidence would be "this happened to me and I didn't encounter the same consequences for my Apple account."

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

#114

Post by zepto » Mon, Mar 01, 2021, 9:27 PM UTC

IgorPartola wrote: post #105

zepto wrote: post #59

Earlier quoted context omitted.

Weird, isn’t it. I mean Facebook is openly leading a push to discredit Apple. That doesn’t mean Facebook is somehow behind these posts, but their attempt could be working and causing people to report things more.

These posts do have a very specific feel to them, in that it's about how a perfectly rational engineering decision leads to bad UX. Upgrades that lock down the system further are probably good for most people, but not for developers. Missed payment leads to account lockdown is how an engineer would think to set things up, but not someone who's advocating for the user's experience. All the stuff with their new chips.…

> Even if it is a larger evil competitor, these do seem like legitimate problems.

I’m asserting that they are likely to be legitimate.

My suggestion is that the reason we are hearing about them so much at the moment could be Facebook’s influence in setting a tone which encourages people to write about problems we didn’t otherwise hear about.

But yes - it absolutely could be a symptom of a breakdown in management somewhere in Apple leading to more customer unfriendly policy outcomes. It wouldn’t be the first time they have gone through such phases.

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

#115

Post by hahahahe » Mon, Mar 01, 2021, 9:29 PM UTC

Wouldn’t use this product considering that it’s Goldman Sachs backend. What a horrible company and a damn shame Apple partnered with them.

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

#116

Post by whiddershins » Mon, Mar 01, 2021, 9:29 PM UTC

coliveira wrote: post #111

ls612 wrote: post #57

Earlier quoted context omitted.

Credit card auto pay only happens 4 weeks or more after the charges post. If there is fraudulent activity on your account there’s lots of time to address it before it becomes a bank charge.

Depends on when the charge was made. If the charge was made the day before the scheduled payment, you will have problems.

Shouldn’t be true because that should go in the next month

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

#117

Post by kube-system » Mon, Mar 01, 2021, 9:29 PM UTC

monadic7 wrote: post #65

kube-system wrote: post #34

Earlier quoted context omitted.

The people who want to borrow thousands of dollars for free.

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

There's plenty of zero-percent consumer credit lines. Interest rates are certainly not the only way to make money by lending money, particularly if you have something to sell.

In this instance: https://www.apple.com/apple-card/monthly-installments/

Buying a Mac on credit is considerably cheaper than buying with cash. 12 months of the time-value of money + you get 3% cash back.

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

#118

Post by Bud » Mon, Mar 01, 2021, 9:29 PM UTC

fortran77 wrote: post #8

pgm8705 wrote: 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.

What makes you believe this is not intentional?

I've had Apple Card since day one. I'll tell you what makes me certain that this is not intentional and is in fact not even happening as the user is implying:

-Apple and Goldman Sachs' service with Apple Card has been exemplary in every detail

-Apple went out of its way throughout the early months of covid to let users skip payments for any reason. No extra interest charges

-Apple Card doesn't even have any late fees, or annual fees, or fees of any kind. And the app for the card goes out of its way to keep you from paying any unnecessary interest charges

-This sort of punitive action just does not jibe with the entire nature of the product or Apple's service in general

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

#119

Post by klmadfejno » Mon, Mar 01, 2021, 9:29 PM UTC

ogre_codes wrote: post #78

samatman wrote: post #27

So, little embarrassed to admit this, but: I plumb forgot to set up autopay on my Apple Card when I first got it. I set it up to pay a few subscriptions and promptly forgot about it. As a result, I carried a balance for I think three months without making payments, and only noticed when I hit my credit limit. This was an expensive mistake, and also dinged my credit score for about four months. Still kinda mad at myse…

So here's the weird thing. > No, Apple did not disable my account. I believe you, but I also trust the original poster by reputation. So what is the difference?

Original poster observed A, then observed B, and concluded causality

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

#120

Post by [deleted] » Mon, Mar 01, 2021, 9:30 PM UTC

wbronitsky wrote: post #103

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…

This poster continues to fling accusations at Apple and has yet to provide any proof of any of these suppositions whatsoever. I’m not sure why the commenters are so eager to believe a comment from a random Twitter account posted to HN. Confirmation bias is strong, I guess. This is a heavy accusation and I think the burden is heavily on the accuser to provide clear evidence that lack of payment for anything somehow lo…

[deleted]