5 ms·

I'm guessing (and hoping) this is a bug and not intentional, but this is pretty scary. My digital personal life is almost all within Apple's ecosystem, includin

I'm guessing (and hoping) this is a bug and not intentional, but this is pretty scary. My digital personal life is almost all within Apple's ecosystem, including most of the smart devices in my house. Getting locked out for any amount of time would be super frustrating.

fortran77 6y ago
What makes you believe this is not intentional?
- ktta 6y ago
  Maybe because it's been quite a while since Apple Card was released and this is the first time we're hearing about it?
  - FireBeyond 6y ago
    So they haven't refined their processes since Launch Day?
- Bud 6y ago
  I've had Apple Card since day one. I'll tell you what makes me certain that this is not intentional and is in fact not even happening as the user is implying: -Apple and Goldman Sachs' service with Apple Card has been exemplary in every detail -Apple went out of its way throughout the early months of covid to let users skip payments for any reason. No extra interest charges -Apple Card doesn't even have any late fees, or annual fees, or fees of any kind. And the app for the card goes out of its way to keep you from paying any unnecessary interest charges -This sort of punitive action just does not jibe with the entire nature of the product or Apple's service in general
  - FireBeyond 6y ago
    Your emphasis is wrong. This is more accurate: > I'll tell you what makes _me_ certain And you're now accusing someone of being dishonest due to lack of evidence based on your anecdotal experience, also absent evidence. > Apple and Goldman Sachs' service with Apple Card has been exemplary in every detail So that makes it "certainly" not possible that someone can have a sub-par customer sevice interaction? > Apple Card doesn't even have any late fees You're right. Good for them. They absolutely will charge you "additional interest" on top of your current APR for any late fees, however. That gets the same net effect, while providing a nice little soundbite.
    - Bud 6y ago
      I didn't accuse anyone of being dishonest; you should probably retract that. Also, since you seem so very certain about this, I offered 10-1 odds on $100 elsewhere in the thread if it's proven Apple is doing this intentionally as a policy. Nobody took me up on it. Would you like to? Easy money, if you're right.
davismwfl 6y ago
This is not a bug, this is by design. There is no possible way this wasn't spec'd as a test scenario to force payment compliance. They know they have leverage that a bank wouldn't have so they are using it.
- toomuchtodo 6y ago
  And most unfortunately, there is no regulation yet that would allow you to file a complaint with the CFPB or other regulatory body (maybe in California, with regards to access to your personal data under CCPA?) over Apple's overreach as a credit facilitator (as Goldman is the issuer for the card) if this is verified as expected behavior.
  - breatheoften 6y ago
    Wow if this actually is expected behavior then the backlash the first time this hits someone prominent in political space is definitely going to produce the regulations that you point to as currently non-existent ...
- _jal 6y ago
  And you know this.. how? Or are you simply following a chain of assumptions to a place that meets your opinion of Apple?
  - davismwfl 6y ago
    I added some clarification in another reply. To your point, I don't know for fact just as you don't know for fact I'm wrong. And this could even be a false claim without having some sort of proof. Maybe my wording was to deterministic and should've been worded as more a "possibility", but a complex system like this takes a ton of requirements and testing and it is super hard to see Apple not paying attention to this specific issue. You don't know my opinion of Apple. I generally like Apple and use them for quite a lot of things. Sure, maybe they are priced too high on some hardware (IMO) and some app store policies I dislike but overall I don't view them as evil and I build things for their platform because it is worth it. Apple simply takes advantage of their platform and why wouldn't they? My one complaint with Apple is just wanting to know all the rules ahead of time so we can play by the rules, and sometimes it does feel like we find many of the rules out through this type of scenario versus Apple being 100% transparent up front.
justaguy88 6y ago
It sounds like you're "over-exposed" to Apple in this risk category

fortran77 6y ago

What makes you believe this is not intentional?

ktta 6y ago
Maybe because it's been quite a while since Apple Card was released and this is the first time we're hearing about it?
- FireBeyond 6y ago
  So they haven't refined their processes since Launch Day?
Bud 6y ago
I've had Apple Card since day one. I'll tell you what makes me certain that this is not intentional and is in fact not even happening as the user is implying: -Apple and Goldman Sachs' service with Apple Card has been exemplary in every detail -Apple went out of its way throughout the early months of covid to let users skip payments for any reason. No extra interest charges -Apple Card doesn't even have any late fees, or annual fees, or fees of any kind. And the app for the card goes out of its way to keep you from paying any unnecessary interest charges -This sort of punitive action just does not jibe with the entire nature of the product or Apple's service in general
- FireBeyond 6y ago
  Your emphasis is wrong. This is more accurate: > I'll tell you what makes _me_ certain And you're now accusing someone of being dishonest due to lack of evidence based on your anecdotal experience, also absent evidence. > Apple and Goldman Sachs' service with Apple Card has been exemplary in every detail So that makes it "certainly" not possible that someone can have a sub-par customer sevice interaction? > Apple Card doesn't even have any late fees You're right. Good for them. They absolutely will charge you "additional interest" on top of your current APR for any late fees, however. That gets the same net effect, while providing a nice little soundbite.
  - Bud 6y ago
    I didn't accuse anyone of being dishonest; you should probably retract that. Also, since you seem so very certain about this, I offered 10-1 odds on $100 elsewhere in the thread if it's proven Apple is doing this intentionally as a policy. Nobody took me up on it. Would you like to? Easy money, if you're right.

davismwfl 6y ago

This is not a bug, this is by design. There is no possible way this wasn't spec'd as a test scenario to force payment compliance. They know they have leverage that a bank wouldn't have so they are using it.

toomuchtodo 6y ago
And most unfortunately, there is no regulation yet that would allow you to file a complaint with the CFPB or other regulatory body (maybe in California, with regards to access to your personal data under CCPA?) over Apple's overreach as a credit facilitator (as Goldman is the issuer for the card) if this is verified as expected behavior.
- breatheoften 6y ago
  Wow if this actually is expected behavior then the backlash the first time this hits someone prominent in political space is definitely going to produce the regulations that you point to as currently non-existent ...
_jal 6y ago
And you know this.. how? Or are you simply following a chain of assumptions to a place that meets your opinion of Apple?
- davismwfl 6y ago
  I added some clarification in another reply. To your point, I don't know for fact just as you don't know for fact I'm wrong. And this could even be a false claim without having some sort of proof. Maybe my wording was to deterministic and should've been worded as more a "possibility", but a complex system like this takes a ton of requirements and testing and it is super hard to see Apple not paying attention to this specific issue. You don't know my opinion of Apple. I generally like Apple and use them for quite a lot of things. Sure, maybe they are priced too high on some hardware (IMO) and some app store policies I dislike but overall I don't view them as evil and I build things for their platform because it is worth it. Apple simply takes advantage of their platform and why wouldn't they? My one complaint with Apple is just wanting to know all the rules ahead of time so we can play by the rules, and sometimes it does feel like we find many of the rules out through this type of scenario versus Apple being 100% transparent up front.

justaguy88 6y ago

It sounds like you're "over-exposed" to Apple in this risk category