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.
If you miss an Apple Card payment, Apple disables all your Apple accounts
171–180 of 231 posts
Re: If you miss an Apple Card payment, Apple disables all your Apple accounts
#172Earlier quoted context omitted.
This is not a false claim. I didn't miss a payment, but complained about a $10 WaPost recurring charge via their chat support and they went ahead and locked my account (I think they were trying to be helpful but this fucked things up royally). This was many months ago. The support has been nice, but completely neutered. I have screenshots. I've spoken to 8 people and no one can figure it out. I can't log in, pay, or…
This has nothing to do with the Twitter complaint. Are you locked out of iCloud? If not, then it’s not the same at all.
Re: If you miss an Apple Card payment, Apple disables all your Apple accounts
#173Sorry 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.
Re: If you miss an Apple Card payment, Apple disables all your Apple accounts
#174Why 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.
Apple does not do any banking in the first place. They are not a bank, do not function as a bank, nor do they have any the requisite licenses to be a bank.
Re: If you miss an Apple Card payment, Apple disables all your Apple accounts
#175Earlier quoted context omitted.
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…
> I’m not sure why the commenters are so eager to believe a comment from a random Twitter account posted to HN. dcurtis isn't a random Twitter account; he's a regular here ( https://news.ycombinator.com/user?id=dcurtis ) and made svbtle. He has credibility here, and I think a lot of the upvotes (including mine) are based on expecting he wouldn't say something like this without a good reason.
I don’t even know how to respond to this appeal to amorphous authority, and to reply to the best possible interpretation of the post, I’ll pass over it.
I’m sure this person is not lying that their account was shut down; I’m asking for an accounting of the Apple policy that supposedly exists. It would certainly be something I would be deeply concerned about.
Re: If you miss an Apple Card payment, Apple disables all your Apple accounts
#176Earlier quoted context omitted.
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.
So, for example, Google could be forbidden from requiring Google product apps are preloaded on Android phones. They could be required to give alternate web browsers and account systems equal visibility in new Chrome installs, for free. Google could face penalties for injecting Google Meet links into Zoom emails received by Gmail users.
The ways the government could prevent Google's self-preferencing is a very large matrix.
Apple has some similar examples, though less. I think Epic v. Apple will accomplish some big things there, particularly around the App Store.
Re: If you miss an Apple Card payment, Apple disables all your Apple accounts
#177Earlier quoted context omitted.
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…
The level of evidence you're expecting is unreasonable given the events. Consider it from his perspective, which is what most of us are doing: You suddenly notice that you can't access any of the stuff you need to live out your life. Oh fuck. You make a tweet in a panic, and maybe hoping to get some attention, since the faceless trillion dollar company doesn't give a fuck about you. The tweet blows up, and wbronitsky…
Either way, I’m sure this person had their account frozen; I’m merely wondering how this person knows that there is policy at Apple to intentionally do such things.
Re: If you miss an Apple Card payment, Apple disables all your Apple accounts
#178Earlier quoted context omitted.
Apple does not do any banking in the first place. They are not a bank, do not function as a bank, nor do they have any the requisite licenses to be a bank.
Not in a legal sense... but the apple credit card through a first party apple app only available on an apple phone that apple manages the UI and controls the marketing and perception is pretty close to an apple bank even if some other legal entity has the excel spreadsheet with account balances (...obvi not how that really works)
If anything, Goldman Sachs is the one that continues to be a bank, and Apple is providing the technical front end for it. It’s the opposite of vertical integration. A tech company is doing the tech part, a finance company is doing the finance part.
Re: If you miss an Apple Card payment, Apple disables all your Apple accounts
#179Earlier quoted context omitted.
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 fu…
With autopay that error can propagate into draining your account and then all your other autopay accounts that come later get rejected and you'll get penalties and late charges on those.
The first provider, the one who made a mistake, can be talked into correcting it (hopefully anyway). But all the other penalties you'll be responsible for since your account was indeed empty.
So there are real risks to autopay. Maybe not too frequent, but good to be aware.
Re: If you miss an Apple Card payment, Apple disables all your Apple accounts
#180Earlier quoted context omitted.
> "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
That comment is from a different user and was posted an hour after the one to which I replied.
What does that matter?