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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

#181

Post by zepto »

totalZero wrote: post #161
zepto wrote: post #144

Earlier quoted context omitted.

> 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 m…

Thanks, and I agree with you. But policies can change, so it's a fair conversation to have if in fact the stated thing happened. People seem to think that "is there evidence for what you said" is some kind of abusive reply but that should be table stakes for most claims. The guy in the tweet already said he'd write something up, but the people who said he is probably stating falsehoods just came up with that based on…

> But policies can change, so it's a fair conversation to have if in fact the stated thing happened.

Yes, but it’s a not a fair conversation to start by spreading a false statement.

If we’re just speculating about the policies, headlines like the one on this post are simply not true.

Right now, that may be exactly what has happened. We don’t know yet but we do know it’s not as simple as the tweet and headline claim.

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

#182

Post by [deleted] »

dcurtis wrote: post #26
kevindong wrote: post #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

I didn't expect that tweet to get so much attention; I'll write up some more details shortly.

[deleted]

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

#183

Post by ljm »

tzs wrote: post #165
ljm wrote: post #74

Earlier quoted context omitted.

So I guess this is a US thing. Is 'auto-pay' the same thing as setting up a monthly direct debit to pay either your minimum payment, a percentage, or to clear the full balance? If that's the case, and I can only speak for my experience in the UK and across the EU for a few years, I'll take the automated payment over the infinitesimal threat of being compromised and clicking a 'dispute this payment' link in my account…

> So I guess this is a US thing. Is 'auto-pay' the same thing as setting up a monthly direct debit to pay either your minimum payment, a percentage, or to clear the full balance? There are a variety of things someone could mean when they say "auto-pay" in the US, including: 1. Authorizing a merchant to keep your credit card info on file and to charge that whenever they want to bill you, 2. Providing a merchant with y…

Heh, we generally cover all of that with a direct debit across the pond, both in the UK and EU (through SEPA). There isn't really a notion of an 'automatic bill paying service', you offer the provider the mandate to take payment from your account. This mandate is fully transferable and revocable and encoded in a standardised format.

You wouldn't be able to run a bank without it. Most monthly outgoings will be through such an agreement.

(I've worked on such systems. XML up the wazoo but you're expected to be able to cryptographically verify a mandate years after the fact, for auditing purposes, so the format works. And it's all API'd up.)

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

#184

Post by temp667 »

0x0 wrote: post #166
temp667 wrote: post #77

Earlier quoted context omitted.

"This is not a bug, this is by design." Please provide some clearer support for this statement of supposed fact. We've got so many MUCH MORE likely scenarios. These are the common ones that disable or lock account: * Repeatedly entering an incorrect Apple ID and password. * Not using your Apple account for an extended amount of time * Billing issues such as unpaid iTunes or App Store orders * Security reasons * Charg…

Are you saying anyone can disable anyone else's appleid by just hammering https://appleid.apple.com with their email address and bogus password?

Exactly correct.

"If you or someone else enters your password, security questions, or other account information incorrectly too many times, your Apple ID automatically locks to protect your security and you can't sign in to any Apple services."

There is then an immediate unlock option with a trusted device or recovery key etc. There are other recovery methods if you don't have 2FA. If you don't have 2FA you are in security question land, which is more heavily rate limited even beyond this for recovery.

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

#185

Post by MeinBlutIstBlau »

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.

My electric company where I lived a few years ago would take mailed in check or autopay ach only. No cc, no manual payments via ach. They were a little behind...

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

#186

Post by sneak »

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.

It is true today. It wasn't in the past.

You can't today make a new Apple ID without a phone number.

(Please double check that your information is current before you claim something is false.)

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

#187

Post by [deleted] »

ogre_codes wrote: post #93
m3kw9 wrote: post #84

Earlier quoted context omitted.

Don’t take a simple tweet as a final word, that’s how misinformation spreads

I'm not taking anything as final word. But I trust the author of the original Tweet to not make an over-reactive, uninformed post. That I'm curious what the difference between his situation and the above poster's is.

[deleted]

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

#188

Post by [deleted] »

ryandrake wrote: post #89
RandallBrown wrote: post #68

Earlier quoted context omitted.

I don't actually auto pay any of my credit cards. I keep my checking account balance intentionally low and often run into times where paying off my cards would overdraft me. I don't think it's all that crazy of a thing to do, I just don't do it.

Same here. I carefully plan my bill paying schedule so as to never go below zero in my checking account. Sometimes that involves deferring payments until the next paycheck. With AutoPay I give up that ability to schedule exactly when the money goes out. Additionally, I like to review every bill I pay to make sure it makes sense. I've had to dispute bills in the past that were unexplainably incorrect by $10, $20, some…

[deleted]

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

#189

Post by alacombe »

ocdtrekkie wrote: post #176
alacombe wrote: post #148

Earlier quoted context omitted.

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.

You absolutely can, and the government has, banned exclusive deals and associations before. The government would require that any interactions given between two products Google presently offers as something competitors can replace either side of, with no special advantage permitted to be offered to the formerly Google products, for example. So, for example, Google could be forbidden from requiring Google product apps…

[citation needed]

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

#190

Post by totalZero »

zepto wrote: post #180
totalZero wrote: post #164

Earlier quoted context omitted.

That comment is from a different user and was posted an hour after the one to which I replied.

> That comment is from a different user What does that matter?

I asked someone if he had any evidence for something he said, and then an hour later someone else said a different thing that is relevant to the conversation. You tell me.
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