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Comment by shuckles

5 years ago

It seems like the issue had nothing to do with Apple Card and everything to do with an extremely overzealous defaulted payment policy at Apple Store. It seems like anyone who makes a trade-in purchase with Apple Store using a credit card that may not be a valid payment method could be at risk. Terrifying.

34 comments

shuckles

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_qulr  5 years ago

> It seems like anyone who makes a trade-in purchase with Apple Store using a credit card that may not be a valid payment method could be at risk.

No, because the main issue isn't the disputed payment, the main issue is that Apple shut down his other Apple services because of non-payment. This presumably wouldn't happen if the charge was on a non-Apple card.

  • komocode  5 years ago

    > the main issue is that Apple shut down his other Apple services because of non-payment. This presumably wouldn't happen if the charge was on a non-Apple card.

    Not entirely true. If you owe money on the App Store because maybe your non-Apple card expired and you never updated it, Apple will shut down your account still.

    • _qulr  5 years ago

      > If you owe money on the App Store because maybe your non-Apple card expired and you never updated it, Apple will shut down your account still.

      That's not what happened though. His credit card didn't expire. His credit card was the Apple Card.

      With any other credit card, the merchant gets their money regardless of whether the card holder pays their credit card bill on time. You can buy a MacBook Pro with a Bank of America card, default on your credit card bill, and Apple still gets paid for the MacBook Pro. That's why the money is "credit". So defaulting on your Bank of America payments doesn't make your Apple ID shut down, there's no connection. If merchants didn't get their money from credit cards, then they would stop accepting credit cards. (Merchants are already pissed about the high fees charged by the cards.)

      This situation with the Apple Card is weird because the merchant and the credit card company are more or less the same company. It turns out, this is very problematic.

      24 replies →

  • shuckles  5 years ago

    If I made a trade in purchase on January 1st with my Chase card, closed the card account on January 15th, failed to send in my trade in, and then did not act on any threatening emails from Apple thereafter, how do I not end up in exactly this situation?