Hacker News Board Hacker News, browsed like a classic message board
Live data from Hacker News

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

twitter.com

Post reply on HN
Print view View original

91–100 of 231 posts

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

#91

Post by amelius »

caeril wrote: post #50
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…

> because each one requires a working phone number to create This isn't true. I have an email-only apple account that works fine. My lock screen constantly carries a "Verify your phone number" badge that's rather annoying, but otherwise everything functions.

So... it works until it doesn't? What if you are traveling and Apple decides they really need your phone number this time, and locks you out of your stuff?

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

#92

Post by ocdtrekkie »

smoldesu wrote: post #25
ocdtrekkie wrote: post #21

Earlier quoted context omitted.

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 very much agree. The security threat it poses is not limited to just Apple, and it ultimately leads to a less competitive industry overall.

I remember a book from a number of years ago, called Jennifer Government: https://en.m.wikipedia.org/wiki/Jennifer_Government which suggested companies ran the world, and were divided into two customer loyalty program-based alliances. Everyone essentially belonged to one camp or the other, and it's surrounding ecosystem. It's hard not to feel that as an example of today, where people live in either the Apple or Google ecosystems, and only use products or services that integrate with that ecosystem.

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

#93

Post by ogre_codes »

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

I'm not taking anything as final word. But I trust the author of the original Tweet to not make an over-reactive, uninformed post. That I'm curious what the difference between his situation and the above poster's is.

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

#94

Post by quickthrowman »

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 auto-pay all my bills (rent, utilities, etc), but manually pay my credit cards weekly. I have auto-pay set up on CCs as a backup just in case I ever fall into a coma and can’t make a manual payment. It only auto-pays on a specific date, so you can dispute any charges prior to then.

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

#96

Post by Gibbon1 »

TrackerFF wrote: post #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 you…

I remember some story about the Soviet Union. People whose records had been lost could end up completely shut out from the system. Can't get a job, housing, etc.

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

#97

Post by dmix »

jbtule wrote: post #76
dcurtis wrote: post #47

Earlier quoted context omitted.

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

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.

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

#98

Post by yardie »

RandallBrown wrote: post #62
ziml77 wrote: post #24

Earlier quoted context omitted.

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…

This doesn’t sound like how iCloud, Apple Card, and Apple ID work.

I stopped paying for iCloud and it didn’t diable my Apple ID nor my Apple Card.

Also you don’t have past due iCloud accounts. You stop paying iCloud services stop working for you.

Sounds like something else is a going on here.

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

#99

Post by komocode »

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…

> The disabling of iCloud, App Store, and Apple ID accounts is actually an Apple Card policy for overdue accounts

My understanding is that the Apple Card policy is referring to "account" as "Apple Card Account is issued by Goldman Sachs Bank USA", and not the iCloud account issued by Apple.

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

#100

Post by throwaway0a5e »

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.

Some people use their CC as an accounts payable. It acts like a buffer to give you time to dispute BS nuisance charges.
Post reply on HN