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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

#201

Post by Terretta »

dmix wrote: post #97
jbtule wrote: post #76

Earlier quoted context omitted.

Apples Customer agreement-> Definition -> “Account” means the Apple Card consumer credit account opened for you under this Agreement Default actions -> WHAT IS THE EFFECT OF BEING IN DEFAULT If you are in default, we may take any of the following actions to the extent permitted under applicable law: • Continue to charge you interest as long as you have an outstanding Account balance; • Lower your credit limit; • Decl…

> Suspend or close your Account I guess account is one whole system the way they built it so it includes his iCloud and whatnot. This should be last resort solution for Apple. I’m thinking well past 3 months of notifications or something, maybe even a year, considering it goes beyond just the card itself. Or just not have it affect other services at all.

“Account” means the Apple Card consumer credit account opened for you under this Agreement.

Not same as Apple ID.

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

#202

Post by ocdtrekkie »

alacombe wrote: post #189
ocdtrekkie wrote: post #176

Earlier quoted context omitted.

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]

I mean, the comment is largely examples of actions the DOJ or FTC could take, so I'm not sure what your comment is trying to prove.

An example would be what was done with AIM. As a condition of AOL merging with Time Warner, AOL had to agree to allow competitors to interoperate with AIM: https://www.itworldcanada.com/article/aol-near-release-of-in...

Many of the other potential actions are similar to those already proposed or imposed upon Google in various European or other international jurisdictions. Though some of the search engine choice screen options have proven ineffective, and if the US wants to carry that forward, they might need to prohibit auctioning off the slots or other methods that just serve to add to Google's revenue at the expense of everyone else.

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

#203

Post by nullserver »

ProfessorLayton wrote: post #143
nullserver wrote: post #125

Earlier 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…

Bunch of people in Texas just got surprise massive electric bills.

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

#204

Post by nullserver »

jjav wrote: post #179
ProfessorLayton wrote: post #143

Earlier quoted context omitted.

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…

If some service suddenly tries to charge 17K it's almost certainly an error on their part. 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 res…

Flew to another country once, with a newborn baby. Flight attendant was having some trouble then declared it all good.

What I didn’t realize was she canceling and redoing the tickets over and over again, each charging me for them. A grand each time. So I ended up in a foreign country penniless. Airline company said it was fine since my funds would be returned in a week.

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

#205

Post by nullserver »

ArchOversight wrote: post #140
nullserver wrote: post #125

Earlier 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.

None of the electric bills in Texas should have been a surprise. Those people chose to pay market rate for their electricity, that is not always going to turn out well for the consumer during events that would lead to market rate being completely out of wack.

Victim blaming?

So you think any of the resized how absurdly high market rates can get.

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

#206

Post by nullserver »

MeinBlutIstBlau wrote: post #185
nullserver wrote: post #125

Earlier 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.

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...

Mine is prepaid.

One day I got a text that my balance was low. As I picked up my phone I got another saying balance was 0. While I was opening the app to add funds I got another text saying my service would be turned off if I didn’t pay.

While on the confirm payment screen my power went out.

All happened in about 10 seconds.

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

#207

Post by vineyardmike »

lotsofpulp wrote: post #178
vineyardmike wrote: post #174

Earlier quoted context omitted.

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)

Apple doesn’t lend any money, is not owed any money, and takes no part in the financing aspect. 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.

> Goldman Sachs is the one that continues to be a bank, and Apple is providing the technical front end for it.

Yeah, not disagreeing at all. This is the exact correct reality of this business arrangement...

But its meant to feel like apple is the bank. The only time you see GS is in the fine print. Its clearly meant to be an "apple experience", and you'd be forgiven for not remembering GS was involved at all.

I have an apple card and a amazon visa card. This is completely an apple experience, and not a store card like the amazon one. Regardless of who is issuing bank, the lived experience of using it is that it feels like apple is managing my money. Esp. with apple pay and apple cash (which also all technically use existing financial infra including other banks), you would have no idea.

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

#208

Post by barnaclejive »

dcurtis wrote: post #83

I didn't expect that tweet to get so much attention. I plan to write more about what exactly happened when my accounts are re-activated. But to clear a couple of things up: 1. I've since learned that the reason this happened could be due to an unusual confluence of events including Apple Card, autopay, and the online Apple Store. 2. The disabling of iCloud, App Store, and Apple ID accounts is actually an Apple Card p…

Do the right thing and delete your twitter post.

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

#209

Post by barnaclejive »

davismwfl wrote: post #71
_jal wrote: post #43

Earlier quoted context omitted.

And you know this.. how? Or are you simply following a chain of assumptions to a place that meets your opinion of Apple?

I added some clarification in another reply. To your point, I don't know for fact just as you don't know for fact I'm wrong. And this could even be a false claim without having some sort of proof. Maybe my wording was to deterministic and should've been worded as more a "possibility", but a complex system like this takes a ton of requirements and testing and it is super hard to see Apple not paying attention to this…

Can't prove a negative, amirite? lol, just stop
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