[ziml77]

I keep refreshing these comments and the twitter thread to see if any better info is provided. This is the kind of thing that could be a mistake on Apple's side, could be a lie from the user, or could be a misunderstanding of what actually happened.

[RandallBrown]

I don't think the OP is lying. Their account was probably locked because they missed a payment. I do think this is a misunderstanding of what's happening.

They're paying for iCloud with their Apple Card. If that payment fails, the account can be locked.

So it's not "Missing a payment on the Apple Card locks your account" it might be "Missing an iCloud Payment locks your account."

They also say the iCloud payment wasn't past due. I wouldn't be surprised if this was some weird edge case or bug that caused the account to be locked.

[yardie]

This doesn’t sound like how iCloud, Apple Card, and Apple ID work.

I stopped paying for iCloud and it didn’t diable my Apple ID nor my Apple Card.

Also you don’t have past due iCloud accounts. You stop paying iCloud services stop working for you.

Sounds like something else is a going on here.