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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

#121

Post by Bud »

davismwfl wrote: post #11
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.

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.

Please don't spread unsupported rumors like this unless you are willing to back them up with evidence.

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

#122

Post by totalZero »

rblatz wrote: post #41
totalZero wrote: post #29

Earlier quoted context omitted.

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

This would be egregious behavior by Apple, and the Apple Card has been out long enough that there would be numerous reports of this that gained steam by now. It's also been out long enough and distributed to enough people that someone somewhere was likely to encounter two issues with Apple at about the same time. So it's much more likely that Apple doesn't just suspend all your accounts until you pay up.

That's a very different argument from "this feels false," which is just some subjective bullshit. However, your argument is little better.

You're saying "it stands to reason that a widely used product would have already hit this corner case by now." The problem with your argument is that it's a tautology. If in fact the statement by dcurtis is the first efflorescence of the problem, your line of thinking would reject it anyway.

That's why it's useless to say "this feels wrong" or even "surely we would know by now." The guy who wrote the tweet has already said here in HN comments that he will substantiate what he wrote, so it seems unnecessary to dogpile the skepticism and "feelings" in the interim.

You don't have to accept a logical proposition in order to consider/entertain it.

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

#123

Post by notJim »

caymanjim wrote: post #48
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, 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…

The hit on your credit report that can last many years if you pay late is far more of a risk than fraud, IME. I forgot to pay my credit card 6 years ago, and that has been hurting me ever since, including on my mortgage. Finally fell off just this year.

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

#124

Post by danielhlockard »

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.

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

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

#125

Post by nullserver »

komocode wrote: post #55
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…

> Why on earth would you set up auto-pay? I've setup auto-pay on several accounts and left it running for over a decade. whatever issue I may have in the future would not exceed the amount of time wasted in manually paying each account.

A surprise 17,000 electric Bill?

I don’t hear about it much anymore but for years was terrified of making a cell data mistake and ending up with a 40k+ bill.

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

#126

Post by Axien »

Years ago I had "Fraud" detected on my Apple ID. Because of this, Apple locked my account and disabled all of my paid applications. I'm a pilot and this included an iPad program called ForeFlight which was critical for flying. I had to wipe my iPad, create a new Apple ID, and pay the $300 subscription for another copy of ForeFlight. About a week later my ID was reactivated with no explanation.

I'm assuming someone hacked into my Apple ID, but not sure. I was never told.

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

#127

Post by TheRealDunkirk »

All this speculation about whether or not it's true, or what might or might have happened. If only there was some format one could use on the internet that was useful for discussing something in longer-than-240-character statements. If only.

I canceled Twitter so that I wouldn't have to see these tempests in teacups. Once you do this, your eyes open to just how much of our news cycle is being carried by Twitter, and how much it bleeds over into everything else now. Half the "front page" of Imgur is Twitter hot takes now, so I don't go there any more either. Half of serious news articles seem to either be ABOUT a Tweet, or carry at least one Twitter quote to further its narrative. I think this encroachment should alarm everyone.

#SocialMediaIsDestroyingSociety

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

#128

Post by ValentineC »

caeril wrote: post #50
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…

> 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.

I believe they've started requiring phone numbers and some form of SMS two-factor authentication on new accounts.

(I've gone through this recently when I created a new, separate account.)

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

#129

Post by justaguy88 »

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.

It sounds like you're "over-exposed" to Apple in this risk category

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

#130

Post by lotsofpulp »

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 means that if I was to apply for a credit card it would be very difficult to get it.

It wouldn't be very difficult to get. You would just have to submit proof of your assets and possibly history of expenses.

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