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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

#51
post #15
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 think they changed that after the EPIC case. Read my other reply on the subject.

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

#53
Can't verify this myself, but if true - this seems like part of a growing problem with big-tech, that everything is connected to one account, and as far as risk goes - you (the consumer) are putting all your eggs in one basket.

I understand WHY companies do this, with respect to spam accounts and what not, but the false positives for real human users can be devastating, when every service and product connected to your account gets blocked/bricked.

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

#54
post #45

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 thi…

Are you suggesting it is a fraud detection? Which sounds like one if he was changing payment info. ( Like doing it with VPN )

I'm suggesting it was something like "Your payment for iCloud didn't go through, so we locked iCloud, and whoops our system is a mess so I guess you can't use the App Store or iTunes either, maybe, although it's possible you're just getting a boilerplate error that isn't actually telling you the truth". This would be consistent with my past experiences with Apple's online services, and it's the reason I don't plan to spend money on any of them or rely on them for anything important. They're a dumpster-fire; the exact opposite of Apple's hardware and (for the most part) their system software.

Fraud detection is plausible too, though

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

#55

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 myse…

> So, little embarrassed to admit this, but: I plumb forgot to set up autopay on my Apple Card when I first got it. Why is that embarassing? Why on earth would you set up auto-pay? That's just asking for a headache if anything is every compromised, or if a vendor fraudulently or accidentally overcharges you. Reversing charges from your bank is a headache, and rogue charges can quickly cascade into a series of overdra…

> 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.

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

#56

Earlier quoted context omitted.

It’s not even mandatory unless the app offers other auth providers like Google and Facebook. If your app is based around old fashioned email and password sign-in you don’t need to include Sign In with Apple at all.

But ugh please do. From the end user's perspective I 100% do not want to navigate your app's account creation process bouncing back and forth between my email client and your website and your app (if the redirect works, which it probably wont), and I 100% do not want to give your app my actual email address. Just implement apple's Auth flow. It's not that hard.

Yeah, refusing to implement sign-in with Apple is anti-user: as a user I want to use sign-in with Apple (and Apple Pay) everywhere I can, forcing me to use some other product for these functions is not good UX.

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

#57

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 myse…

> So, little embarrassed to admit this, but: I plumb forgot to set up autopay on my Apple Card when I first got it. Why is that embarassing? Why on earth would you set up auto-pay? That's just asking for a headache if anything is every compromised, or if a vendor fraudulently or accidentally overcharges you. Reversing charges from your bank is a headache, and rogue charges can quickly cascade into a series of overdra…

Credit card auto pay only happens 4 weeks or more after the charges post. If there is fraudulent activity on your account there’s lots of time to address it before it becomes a bank charge.

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

#58

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 myse…

> So, little embarrassed to admit this, but: I plumb forgot to set up autopay on my Apple Card when I first got it. Why is that embarassing? Why on earth would you set up auto-pay? That's just asking for a headache if anything is every compromised, or if a vendor fraudulently or accidentally overcharges you. Reversing charges from your bank is a headache, and rogue charges can quickly cascade into a series of overdra…

Sorry but how is this dangerous? You don't have your credit cards on autopay?

I regularly verify what transactions show up across my cards and you have 30 days to dispute anything.

10+ years and I never had an issue.

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

#59

How come I am seeing surprising behavior from various Apple products multiple times a week at this point? Is it a new thing or is it just that they are huge and everyone is paying attention to them?

Weird, isn’t it. I mean Facebook is openly leading a push to discredit Apple.

That doesn’t mean Facebook is somehow behind these posts, but their attempt could be working and causing people to report things more.

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

#60
post #47

Earlier quoted context omitted.

Yes, I don't think Apple Card has anything to do with it - I think his iCloud subscription was past due and that was that disabled his account - and then he found himself in a Catch 22 where he couldn't update/pay his Apple Card because he was locked out of iCloud. I'd imagine the same would have happened if he let his Visa card lapse.

Nope -- iCloud was not past due. It is an Apple Card policy.

Can you point out any public documentation about this policy?
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