Comment by _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.
> 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.
> 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.
> That's not what happened though. His credit card didn't expire
I didn't say that's what happened. I'm saying it's entirely possible Apple can shutdown your account for owing money even if you don't have an Apple Card.
I had an iTunes account back in 2012 linked to my Paypal. One time I accidentally unlinked my Paypal and Apple wouldn't let me access my iCloud email unless I typed my password. When I typed in my password, it would ask me to verify my CC/Paypal details. When I clicked cancel, the entire process would just happen again.
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No. An auth can fail for regular cards as well, especially in a case like this when the auth was placed almost two months before the attempted charges. Most auth holds are only valid for a week or so.
In your BofA card, the credit card could decline the charge if it put the holder over their credit limit. For all we know, that might be why the Apple Card charge was declined.
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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?
> closed the card account
This isn't what happened, so why make a false analogy?
There are many reasons a payment method may fail. I outline another below regarding credit limits. Care to engage with the key ideas?
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Why do you post multiple comments with unsubstantiated things that never happened? Apple made multiple mistakes here and he made none.
I’m not sure what your point is, but Apple released a summary of the situation, and my interpretation has been shown as totally correct.