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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

#31

Post by brundolf »

Important detail:

> The only thing Apple Card was paying for was the 2TB iCloud upgrade — and when I try to change the payment method, it refuses and says “Your account has been disabled in the App Store and iTunes.”

It's not hard to imagine a payment issue for iCloud causing iCloud to be locked or otherwise limited, and given that Apple's online services tend to be buggy and unreliable it's not a huge stretch to think this could have some unintended consequences for adjacent things like the App Store. As someone else in the thread pointed out, surely others have missed Apple Card payments at this point, and we would've already heard about this if it were consistent and/or by design.

Of course even if it wasn't intentional, it's still another example of the single-point-of-failure problem we have when our entire lives depend on an account with a tech company that's way too big to care when users fall through the cracks.

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

#32

Post by smoldesu »

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.

If the question is "could you", then the answer is yes. Apple has full control over those APIs on your device, and could choose to stop serving them with the press of a button.

If the question is "will they" though, I doubt they'll go that far. Apple is super wary of tipping their hand when they're holding all of the cards, and an action like this would raise a lot of concern, even within the walled garden.

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

#33

Post by kweinber »

choppaface wrote: post #5

How long until we can get Glass-Steagall for the bank of online identity?

Lets get Glass-Steagall back for finance first. . .its affiliation clauses were totally defanged in 1999 (and likely the contributing cause for the crash of 2007-2008). After that let's work on identity.

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

#36

Post by dec0dedab0de »

This sounds outrageous, do they really think this is worth the bad PR? Or the lost revenue from not letting people pay with another card while they work out the issue. There has to be more to this story, this can't be the first person to miss a payment.

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

#37

Post by DC1350 »

frizkie wrote: post #30
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.

Ok, thanks! I didn’t know you could use the device with a disabled account.

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

#38

Post by notsureaboutpg »

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…

> 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).

I don't get how this works. I feel like you need an Apple ID on a macbook to do the most basic of crap, and unfortunately, they make it SUPER hard to log out of one Apple ID and into another one on the same computer. You have to do it individually in 4-5 different places for it to actually work.

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

#39

Post by ktta »

fortran77 wrote: post #8
pgm8705 wrote: post #6

I'm guessing (and hoping) this is a bug and not intentional, but this is pretty scary. My digital personal life is almost all within Apple's ecosystem, including most of the smart devices in my house. Getting locked out for any amount of time would be super frustrating.

What makes you believe this is not intentional?

Maybe because it's been quite a while since Apple Card was released and this is the first time we're hearing about it?
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