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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

#61

Post by kevindong »

totalZero wrote: post #29
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.

The onus of providing proof is on the claimant. At the time of writing, there was none.

I agree with rblatz's response's reasoning.

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

#62

Post by RandallBrown »

ziml77 wrote: post #24
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.

I don't think the OP is lying. Their account was probably locked because they missed a payment. I do think this is a misunderstanding of what's happening.

They're paying for iCloud with their Apple Card. If that payment fails, the account can be locked.

So it's not "Missing a payment on the Apple Card locks your account" it might be "Missing an iCloud Payment locks your account."

They also say the iCloud payment wasn't past due. I wouldn't be surprised if this was some weird edge case or bug that caused the account to be locked.

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

#63

Post by gist »

Posts like this often seem to be a waste of reading time. Even if the person is 'a somebody'[1] there is often no context to other details just outrage by the community believing it as truth in some way. And then the predictable outrage follows. One commenter 'this is why I will not sign up for Apple Card' other comments 'big corporations suck' and so on.

And no I don't think it matters that Dustin has so many twitter followers in terms of believability.

Test should be has enough info been presented to draw a conclusion even if the person was nobody or just had opened a twitter account?

The discussion is often interesting and sure you might learn things. But still why not just make random things up and do it that way (I am joking).

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

#64

Post by king_magic »

caymanjim wrote: post #48
samatman wrote: post #27

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…

Eh, I disagree. I keep an eye on my credit card balances on a regular basis. It's nice to have autopay on for the credit cards I use less. Helps avoid late fees.

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

#65

Post by monadic7 »

kube-system wrote: post #34
monadic7 wrote: post #22

I'm really curious who thought it was a good idea to use this line of credit in the first place.

The people who want to borrow thousands of dollars for free.

I don't think that's possible with any line of credit. Our entire society is built off of interest rates.

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

#66

Post by zepto »

RcouF1uZ4gsC wrote: post #9

This is one of the areas where consumers are losing their rights because of leverage by foundational companies. I think it should be illegal for a company to block your account on unrelated services. For example, Facebook should not be able to block your Occulus account, based on what happens on Facebook or WhatsApp. If the companies argue that these accounts are tied to closely together to be able to separate enforc…

> it should be illegal for a company to block your account on unrelated services

According to the OP, they haven’t - Sign In with Apple still works.

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

#67

Post by cortesoft »

caymanjim wrote: post #48
samatman wrote: post #27

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…

> That's just asking for a headache if anything is every compromised, or if a vendor fraudulently or accidentally overcharges you

How is any of that specific for auto pay? Non-auto pay transactions can be compromised, and a non-auto pay vendor can fraudulently charge you, too.

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

#68

Post by RandallBrown »

vecinu wrote: post #58
caymanjim wrote: post #48

Earlier quoted context omitted.

> 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.

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.

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

#69

Post by m463 »

caymanjim wrote: post #48
samatman wrote: post #27

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…

most autopay setups are not dangerous.

autopay on a credit card is great.

But some are. the sketchy and hard-to-cancel services.

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

#70

Post by Spooky23 »

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

It's just noise/bullshit on Twitter.

The Apple Card t&c are here: https://www.goldmansachs.com/terms-and-conditions/Apple-Card...

They prominently mention any reference to iCloud, etc as your "Apple ID" and "account" is used with respect to the financial account. On page 11, consequences of "Default" include suspension of your "account". You are required to use a "Required Device", and specifically an Apple ID in "good standing" with Apple and Apple two-factor auth.

My guess is that if anything happened to this guy, he did something to fubar his Apple ID, which then fubared his Apple Card.

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