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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

#141

Post by kbelder »

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…

I think the posters touting autopay should review the 'experience of being poor-ish'

https://news.ycombinator.com/item?id=26300139

I'd _never_ let any major bills pull directly from my accounts. I'm bothered just by having a recurring Netflix draw. I'm not claiming one perspective is right and the other wrong... but that my history and experiences have strongly trained me into one behavior, and yours into another.

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

#142

Post by samatman »

hctaw wrote: post #88
ogre_codes wrote: post #78

Earlier quoted context omitted.

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?

The original poster was paying for iCloud storage with their apple card, which is an Apple service.

It can't be just that. iCloud storage and Apple Music were two of the subscriptions I was paying for, to get that sweet 3% cash back.

It's possible that the card was maxed out and payments for the subscription failed, maybe? I caught mine before that happened.

Edit: a sibling comment makes it clear that that isn't what happened: https://news.ycombinator.com/item?id=26308468

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

#143

Post by ProfessorLayton »

nullserver wrote: post #125
komocode wrote: post #55

Earlier quoted context omitted.

> 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.

Not sure I understand this, because autopay or not, if you accrue a 17k bill for a service then that's what's due unless you negotiate otherwise, and the lack of autopay is irrelevant.

If you're worried about funds disappearing unexpectedly, many major U.S. banks wave checking account fees with direct deposits setup. It's trivial to setup a bank account with multiple checking/savings accounts, where one account is funded as necessary with expected spending, and have the excess go into the other checking/savings account(s).

That's a best practice anyway, since having a debit card hacked into is a much bigger ordeal than a credit card, so keeping that checking account with minimal funds is optimal.

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

#144

Post by zepto »

totalZero wrote: post #122
rblatz wrote: post #41

Earlier quoted context omitted.

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…

> If in fact the statement by dcurtis is the first efflorescence of the problem, your line of thinking would reject it anyway.

This is true, but we have to take it in context. How likely is it that this is the policy, and we’ve never heard about it before now?

The card has been our for a couple of years. Millions of people are using it. This implies 10s of millions of payments. At a conservative estimate this would mean there must have been thousands of missed payments, and therefore thousands of locked Apple accounts.

It therefore seems unlikely we wouldn’t have heard about it. I could of course be wrong as could the GP, because this is just a probability estimate. But that’s all the GP is saying.

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

#145

Post by [deleted] »

nullserver wrote: post #125
komocode wrote: post #55

Earlier quoted context omitted.

> 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.

[deleted]

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

#146

Post by wmf »

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.

Also AFAIK you can still dispute charges after you have paid them; if you win the dispute you'll get credited later.

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

#147

Post by zepto »

totalZero wrote: post #113
kevindong wrote: post #61

Earlier quoted context omitted.

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."

> "this happened to me and I didn't encounter the same consequences for my Apple account."

You can see other commenters on this thread saying exactly this.

E.g. https://news.ycombinator.com/item?id=26307849

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

#148

Post by alacombe »

ocdtrekkie wrote: post #21
smoldesu wrote: post #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.

Fundamentally, the issue is that a single company is allowed to operate a mobile OS, a web browser, an app market, a banking solution, physical hardware, retail stores, and various other verticals. Google has the exact same problems, for the exact same reasons. Ban vertical integration. The government needs to force divestiture of each product category into a separately run company.

How is such a ban any different than multiple independent company owned by the same parent entity (either a company, or an individual / group of individual). Each of these company having exclusive deal with each others.

You can't ban private property Rights / freedom of association.

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

#149

Post by setr »

totalZero wrote: post #122
rblatz wrote: post #41

Earlier quoted context omitted.

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…

>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

No its not; it's defining a probability. This report is most likely false, because it would be unlikely for this to be the first instance of it. It's not defining a logical proposition -- that's just you extracting more gaurantees from the statement than what was actually specified. It's not if this then that, it's if probably this, then probably that.

And it's valid to state it "feels false", if only because extraordinary claims require extraordinary evidence -- the same way it's valid to not significantly consider the claim "I saw an alien" stated on its own. Yes, there is a possibility it's true, and yes, its not valid to declare it false only on the basis that aliens are involved, but it would be unreasonable to assume that possibility it is true is significant based on the claim alone.

It is perfectly valid to assume it's false, because the likelihood of the alternative is low. It is not valid to declare it false for the same reasoning; but no one in this chain did such a thing.

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

#150

Post by FireBeyond »

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.

It's also possible that this is new behavior on Apple's part.
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