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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

#21

Post by ocdtrekkie »

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.

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

#23

Post by breatheoften »

toomuchtodo wrote: post #13
davismwfl wrote: post #11

Earlier quoted context omitted.

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.

And most unfortunately, there is no regulation yet that would allow you to file a complaint with the CFPB or other regulatory body (maybe in California, with regards to access to your personal data under CCPA?) over Apple's overreach as a credit facilitator (as Goldman is the issuer for the card) if this is verified as expected behavior.

Wow if this actually is expected behavior then the backlash the first time this hits someone prominent in political space is definitely going to produce the regulations that you point to as currently non-existent ...

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

#24

Post by ziml77 »

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 keep refreshing these comments and the twitter thread to see if any better info is provided. This is the kind of thing that could be a mistake on Apple's side, could be a lie from the user, or could be a misunderstanding of what actually happened.

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

#25

Post by smoldesu »

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.

I very much agree. The security threat it poses is not limited to just Apple, and it ultimately leads to a less competitive industry overall.

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

#26

Post by dcurtis »

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.

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

#27

Post by samatman »

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 myself about it.

No, Apple did not disable my account.

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

#28

Post by protomyth »

dcurtis wrote: post #15
paxys wrote: post #2

And by extension all the services you sign in to using a (mandatory) sign in with Apple button.

Actually, Sign in with Apple is one of the only things that still works.

I wonder if that is by design, or the fact it was an added service after Apple Card and maybe has some isolation.

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

#29

Post by totalZero »

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

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

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

#30

Post by frizkie »

DC1350 wrote: post #20

Sorry 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.

That would not be possible, no. You can use an iPhone and all of its phone-related features without an Apple account. You probably wouldn't be able to download new apps but it wouldn't retroactively prevent you from using any existing banking apps you might already have on your phone.
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