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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

#81

Post by gabagool »

ljm wrote: post #74
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…

So I guess this is a US thing. Is 'auto-pay' the same thing as setting up a monthly direct debit to pay either your minimum payment, a percentage, or to clear the full balance? If that's the case, and I can only speak for my experience in the UK and across the EU for a few years, I'll take the automated payment over the infinitesimal threat of being compromised and clicking a 'dispute this payment' link in my account…

Yes, that's exactly what auto-pay is. I'm in the US myself and in my experience, almost everyone advocates auto-pay. Some people may choose to pay early and some people may not be able to pay, but generally people in the US are recommended to set up auto-pay.

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

#82

Post by echelon »

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'd say this is horizontal integration, but they've built so much of a monolith and captured so much commerce, that it almost feels like a vertical stack.

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

#83

Post by dcurtis »

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 policy for overdue accounts, and they have a team dedicated to handling these account de-activation issues. (I think this is absurd, which is why I am drawing attention to it.)

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

#84

Post by m3kw9 »

ogre_codes wrote: post #78
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 here's the weird thing. > No, Apple did not disable my account. I believe you, but I also trust the original poster by reputation. So what is the difference?

Don’t take a simple tweet as a final word, that’s how misinformation spreads

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

#85

Post by madengr »

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…

I don't know why you are being downvoted. One has to be crazy to allow a business direct access to you primary checking account.

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

#86

Post by spiritplumber »

I don't have a US credit score because I never had a credit card in my life and always bought everything with money I knew I had (including my little home).

That never fails to completely throw financial institutions for a loop; they can't conceptualize it.

Ironically it means that if I was to apply for a credit card it would be very difficult to get it.

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

#87

Post by ta20200202 »

m3kw9 wrote: post #84
ogre_codes wrote: post #78

Earlier quoted context omitted.

So here's the weird thing. > No, Apple did not disable my account. I believe you, but I also trust the original poster by reputation. So what is the difference?

Don’t take a simple tweet as a final word, that’s how misinformation spreads

The same is true for a HackerNews comment.

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

#88

Post by hctaw »

ogre_codes wrote: post #78
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 here's the weird thing. > No, Apple did not disable my account. I believe you, but I also trust the original poster by reputation. So what is the difference?

The original poster was paying for iCloud storage with their apple card, which is an Apple service.

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

#89

Post by ryandrake »

RandallBrown wrote: post #68
vecinu wrote: post #58

Earlier quoted context omitted.

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.

Same here. I carefully plan my bill paying schedule so as to never go below zero in my checking account. Sometimes that involves deferring payments until the next paycheck. With AutoPay I give up that ability to schedule exactly when the money goes out.

Additionally, I like to review every bill I pay to make sure it makes sense. I've had to dispute bills in the past that were unexplainably incorrect by $10, $20, sometimes close to $50, and if I had them on AutoPay I probably wouldn't have even noticed it.

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