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> In this scenario it seems pretty obvious that their automated fraud AI messed up Ah, but is it really obvious? One of the benefits of virtual card numbers, i

> In this scenario it seems pretty obvious that their automated fraud AI messed up Ah, but is it really obvious? One of the benefits of virtual card numbers, in particular the Apple Card implementation, is that it's easy to switch them out, which makes tracking harder. Could it be that a company that makes its living off tracking users would not be overly fond of virtual card numbers? As long as users' reaction is "if you're planning on using the Apple Card for anything important, think again", it looks like the AI did exactly what it was meant to do.

harshreality 7y ago
If that's the case, they should simply reject charges from virtual cards, rather than charging them and then banning the account.
- microtherion 7y ago
  But as I've argued above, maybe the deterrent effect is a feature, as long as it's the use of virtual cards that is deterred and not the use of Google products.
  - wrs 7y ago
    Wouldn't you say that banning you from using Google products forever is a pretty darn effective way of deterring you from using those products?
    - microtherion 7y ago
      That would be one way of looking at it. But the OP took the opposite conclusion, that one should avoid using Apple Card. So we have one user who is using neither Apple Card nor Google products, and a number of his readers, who are deterred from using Apple Card.
jonknee 7y ago
I usually pay with Amex and sometimes a business will say "Oh sorry, we don't take Amex". Never once have they ushered me out the door and issued a trespass notice. Instead I just pay another way and we are both happy. That seems pretty optimal.
dzhiurgis 7y ago
Add this to the list for Elizabeth Warren to bust big tech's balls for... Others within last 30 days: https://news.ycombinator.com/item?id=20632119 https://news.ycombinator.com/item?id=20632119 https://news.ycombinator.com/item?id=20814135 https://news.ycombinator.com/item?id=20814135

harshreality 7y ago

If that's the case, they should simply reject charges from virtual cards, rather than charging them and then banning the account.

microtherion 7y ago
But as I've argued above, maybe the deterrent effect is a feature, as long as it's the use of virtual cards that is deterred and not the use of Google products.
- wrs 7y ago
  Wouldn't you say that banning you from using Google products forever is a pretty darn effective way of deterring you from using those products?
  - microtherion 7y ago
    That would be one way of looking at it. But the OP took the opposite conclusion, that one should avoid using Apple Card. So we have one user who is using neither Apple Card nor Google products, and a number of his readers, who are deterred from using Apple Card.

jonknee 7y ago

I usually pay with Amex and sometimes a business will say "Oh sorry, we don't take Amex". Never once have they ushered me out the door and issued a trespass notice. Instead I just pay another way and we are both happy. That seems pretty optimal.

dzhiurgis 7y ago

Add this to the list for Elizabeth Warren to bust big tech's balls for... Others within last 30 days: https://news.ycombinator.com/item?id=20632119 https://news.ycombinator.com/item?id=20632119 https://news.ycombinator.com/item?id=20814135 https://news.ycombinator.com/item?id=20814135