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Something to think about: if for whatever reason you can’t pay Apple, they will disable your iCloud account. https://dcurt.is/apple-card-can-disable-your-iclou

Something to think about: if for whatever reason you can’t pay Apple, they will disable your iCloud account. https://dcurt.is/apple-card-can-disable-your-icloud-account https://dcurt.is/apple-card-can-disable-your-icloud-account I refuse to get an Apple Card until they firewall the two and make them independent of each other.

BiteCode_dev 4y ago
Does it mean your i-devices will stop working as well? At least the emails I assume, maybe imessages... If google shots down your account, you are out of docs, youtube, gmail... This can literally kill your career. Not to mentions all the "sign up with google/apple" you used.
- bradgessler 4y ago
  I don’t think so, but it’s trending more in that direction as Apple spins up more services.
- ezfe 4y ago
  The linked post doesn't actually say "If you don't pay your credit card bill we disable your iTunes/iCloud" What it actually says is "If you don't pay your credit card bill, we decline new transactions since you're at your credit limit. If your iCloud uses your Apple Card and that transaction is declined, then your iCloud may be disabled."
- toyg 4y ago
  Apple apologists should probably work on replacing their "bUt GoOgLe!" routines, since people have largely moved on from the Google ecosystem as a whole - and in some cases, like this one, Google is not even present in the same market (credit cards).
JumpCrisscross 4y ago
From the linked article [1]: "...my bank account number changed in January, causing Apple Card autopay to fail. Then the Apple Store made a charge on the card. Less than fifteen days after that, my App Store, iCloud, Apple Music, and Apple ID accounts had all been disabled by Apple Card." Wouldn't the same thing have happened if he didn't have an Apple Card, but instead had his credit card decline not only on their Apple subscriptions, but also the MacBook they traded in? [1] https://dcurt.is/apple-card-can-disable-your-icloud-account https://dcurt.is/apple-card-can-disable-your-icloud-account
- bradgessler 4y ago
  Not sure, but that’s a good point.
- notesinthefield 4y ago
  At what point is a situation so convoluted that it can be considered an edge case? Because this story seems like it would qualify! Not only did someone's bank account number change without intervention but it seems Apple also got something wrong about the purchase on two different occasions (saying OP bought an iphone, not a macbook and applying the trade-in to their card without confirmation)...I take your point. But, wow. Im frankly surprised AC works this way, all of my interactions with AC support and Apple makesit seem like one wants nothing to do with the other.
  - JumpCrisscross 4y ago
    > did someone's bank account number change without intervention Their bank account number changed for reasons unrelated to Apple. That caused their Apple Card monthly payment to fail. Which caused their payments to Apple, for subscriptions and a trade-in, to fail. So Apple cancelled their subscriptions. Agree the support communication on iPhone versus MacBook is imprecise. But nothing indicates Apple acted improperly or in a manner they wouldn't with anyone else failing to pay for their services.
  - ben0x539 4y ago
    > At what point is a situation so convoluted that it can be considered an edge case? People have edge cases all the time! Failing gracefully in edge cases is a critical feature for anything that's so deeply wired into your life like a payment processor or a cloud account!
  - pitterpatter 4y ago
    At Apple's scale, an edge case is a question of when (and how often) not if.
- WirelessGigabit 4y ago
  Well, no, if the credit card charge is declined they don't offer the service. They don't owe you anything if the charge fails. So no-one loses. If they charge your bank account for a credit card bill that you owe, and it fails, they lose.
joshmanders 4y ago
On the flip side since most people like to share scary stuff because when things are going right, nothing is worth sharing... I put 75k or more worth of transactions through my Apple Card in 2022 and I've had nothing but wonderful experiences with the whole thing, including with Apple and Goldman Sachs.
- stuff4ben 4y ago
  Same. I use my Apple Card instead of cash or my debit card in almost all cases (except Costco where I have to use Visa and I have their card for that). I've averaged a little over $27K/year since 2019 and have had zero issues. GS has been great when I've had to dispute charges and they took care of everything. I love how seamless it is and it just works. Also, I am a self-admitted Apple-whore and am totally invested in their ecosystem FWIW.
  - judge2020 4y ago
    > except Costco where I have to use Visa and I have their card for that I imagine this is due to some dispute with Mastercard on their fees for credit cards (you can use MC debit at Costco); Visa probably gives Costco a steep discount on fees.
    - dragonwriter 4y ago
      > I imagine this is due to some dispute with Mastercard on their fees for credit cards Costco has long had an official credit card and only allowed cards of that brand (whether theirs or not), for a long time it was Amex not Visa. > Visa probably gives Costco a steep discount on fees. Right; their single-card-brand partnership agreement is a tool for getting lower credit card processing fees.
      - judge2020 4y ago
        > Right; their single-card-brand partnership agreement is a tool for getting lower credit card processing fees. Volume rates in general are extremely common.
jeffy90 4y ago
I've been loving apple card. I love that the rewards come in cash rather than airline points, so it's really easy to use the rewards.
- bdcravens 4y ago
  A number of other credit cards do that as well (Capital One and Discover are the ones I've personally experienced)
commoner 4y ago
For US residents, the Apple Card is not a competitive credit card. There are enough credit cards with no annual fees offering at least 2% cash back on all purchases that the Apple Card's 1% back on general purchases is not a good value. Just about every credit card issuer in the US supports Apple Pay as well, allowing these 2% cash back cards to match the Apple Card's 2% on Apple Pay purchases.
- twostorytower 4y ago
  It's 2% back anytime you use Apple Pay, though. Which I use, a lot, and it's nice not to think about which card to use in that scenario, which I imagine was their point. I know there are plenty of cards that will give 2% cash back on any transaction, too.
- tempsy 4y ago
  getting 3% back on apple purchases plus 0% interest for 12-24 months is pretty nice. given theres no annual fee i don't really see the downside if you buy apple products.
  - meinheld111 4y ago
    https://news.ycombinator.com/item?id=35344441 https://news.ycombinator.com/item?id=35344441
    - pwinnski 4y ago
      That didn't seem to have anything do with it being an Apple card, though?
  - driscoll42 4y ago
    It's not bad for using to buy Apple Products, but if you're only using one credit card, might as well get something that gives 2% on all purchases unless you reallllly buy a lot of Apple products.
    - 4y ago
euroderf 4y ago
Just "disable" ? At what point do they toss your data in the trash ?

BiteCode_dev 4y ago

Does it mean your i-devices will stop working as well? At least the emails I assume, maybe imessages... If google shots down your account, you are out of docs, youtube, gmail... This can literally kill your career. Not to mentions all the "sign up with google/apple" you used.

bradgessler 4y ago
I don’t think so, but it’s trending more in that direction as Apple spins up more services.
ezfe 4y ago
The linked post doesn't actually say "If you don't pay your credit card bill we disable your iTunes/iCloud" What it actually says is "If you don't pay your credit card bill, we decline new transactions since you're at your credit limit. If your iCloud uses your Apple Card and that transaction is declined, then your iCloud may be disabled."
toyg 4y ago
Apple apologists should probably work on replacing their "bUt GoOgLe!" routines, since people have largely moved on from the Google ecosystem as a whole - and in some cases, like this one, Google is not even present in the same market (credit cards).

JumpCrisscross 4y ago

From the linked article [1]: "...my bank account number changed in January, causing Apple Card autopay to fail. Then the Apple Store made a charge on the card. Less than fifteen days after that, my App Store, iCloud, Apple Music, and Apple ID accounts had all been disabled by Apple Card." Wouldn't the same thing have happened if he didn't have an Apple Card, but instead had his credit card decline not only on their Apple subscriptions, but also the MacBook they traded in? [1] https://dcurt.is/apple-card-can-disable-your-icloud-account https://dcurt.is/apple-card-can-disable-your-icloud-account

bradgessler 4y ago
Not sure, but that’s a good point.
notesinthefield 4y ago
At what point is a situation so convoluted that it can be considered an edge case? Because this story seems like it would qualify! Not only did someone's bank account number change without intervention but it seems Apple also got something wrong about the purchase on two different occasions (saying OP bought an iphone, not a macbook and applying the trade-in to their card without confirmation)...I take your point. But, wow. Im frankly surprised AC works this way, all of my interactions with AC support and Apple makesit seem like one wants nothing to do with the other.
- JumpCrisscross 4y ago
  > did someone's bank account number change without intervention Their bank account number changed for reasons unrelated to Apple. That caused their Apple Card monthly payment to fail. Which caused their payments to Apple, for subscriptions and a trade-in, to fail. So Apple cancelled their subscriptions. Agree the support communication on iPhone versus MacBook is imprecise. But nothing indicates Apple acted improperly or in a manner they wouldn't with anyone else failing to pay for their services.
- ben0x539 4y ago
  > At what point is a situation so convoluted that it can be considered an edge case? People have edge cases all the time! Failing gracefully in edge cases is a critical feature for anything that's so deeply wired into your life like a payment processor or a cloud account!
- pitterpatter 4y ago
  At Apple's scale, an edge case is a question of when (and how often) not if.
WirelessGigabit 4y ago
Well, no, if the credit card charge is declined they don't offer the service. They don't owe you anything if the charge fails. So no-one loses. If they charge your bank account for a credit card bill that you owe, and it fails, they lose.

joshmanders 4y ago

On the flip side since most people like to share scary stuff because when things are going right, nothing is worth sharing... I put 75k or more worth of transactions through my Apple Card in 2022 and I've had nothing but wonderful experiences with the whole thing, including with Apple and Goldman Sachs.

stuff4ben 4y ago
Same. I use my Apple Card instead of cash or my debit card in almost all cases (except Costco where I have to use Visa and I have their card for that). I've averaged a little over $27K/year since 2019 and have had zero issues. GS has been great when I've had to dispute charges and they took care of everything. I love how seamless it is and it just works. Also, I am a self-admitted Apple-whore and am totally invested in their ecosystem FWIW.
- judge2020 4y ago
  > except Costco where I have to use Visa and I have their card for that I imagine this is due to some dispute with Mastercard on their fees for credit cards (you can use MC debit at Costco); Visa probably gives Costco a steep discount on fees.
  - dragonwriter 4y ago
    > I imagine this is due to some dispute with Mastercard on their fees for credit cards Costco has long had an official credit card and only allowed cards of that brand (whether theirs or not), for a long time it was Amex not Visa. > Visa probably gives Costco a steep discount on fees. Right; their single-card-brand partnership agreement is a tool for getting lower credit card processing fees.
    - judge2020 4y ago
      > Right; their single-card-brand partnership agreement is a tool for getting lower credit card processing fees. Volume rates in general are extremely common.

jeffy90 4y ago

I've been loving apple card. I love that the rewards come in cash rather than airline points, so it's really easy to use the rewards.

bdcravens 4y ago
A number of other credit cards do that as well (Capital One and Discover are the ones I've personally experienced)

commoner 4y ago

For US residents, the Apple Card is not a competitive credit card. There are enough credit cards with no annual fees offering at least 2% cash back on all purchases that the Apple Card's 1% back on general purchases is not a good value. Just about every credit card issuer in the US supports Apple Pay as well, allowing these 2% cash back cards to match the Apple Card's 2% on Apple Pay purchases.

twostorytower 4y ago
It's 2% back anytime you use Apple Pay, though. Which I use, a lot, and it's nice not to think about which card to use in that scenario, which I imagine was their point. I know there are plenty of cards that will give 2% cash back on any transaction, too.
tempsy 4y ago
getting 3% back on apple purchases plus 0% interest for 12-24 months is pretty nice. given theres no annual fee i don't really see the downside if you buy apple products.
- meinheld111 4y ago
  https://news.ycombinator.com/item?id=35344441 https://news.ycombinator.com/item?id=35344441
  - pwinnski 4y ago
    That didn't seem to have anything do with it being an Apple card, though?
- driscoll42 4y ago
  It's not bad for using to buy Apple Products, but if you're only using one credit card, might as well get something that gives 2% on all purchases unless you reallllly buy a lot of Apple products.
  - 4y ago

euroderf 4y ago

Just "disable" ? At what point do they toss your data in the trash ?