[_qulr]

> Apple can shutdown your account for owing money

Owing money to whom is the question.

Apple can't shut down your account for owing money to Bank of America. Or for owing money to Goldman Sachs for a credit card not associated with Apple. In the case of Apple Card, who is the money owed to, Apple or Goldman Sachs? The latter is supposed to be the bank.

[komocode]

> Owing money to whom is the question.

Today I can put an App Store charge on my Chase card and do a chargeback making up some stupid reason that I never got my app in which the chargeback would be successful. It's not entirely out of the question that Apple would lock my account until that charge is resolved.

Similarly, Dustin could have used a Chase card to buy the M1 Mac, supposedly "tradein" without sending the device back, Apple erroneously crediting that CC, and then Apple locking down the account until that's resolved.

Both situations result in owing Apple and both are totally plausible situations.

[_qulr]

> Today I can put an App Store charge on my Chase card and do a chargeback making up some stupid reason that I never got my app in which the chargeback would be successful. It's not entirely out of the question that Apple would lock my account until that charge is resolved.

Yes, we're all aware of chargebacks, and nobody is disputing that you would owe Apple in that situation. Not sure how this really helps the argument.

The issue here is that the Apple Card seems to completely obliterate any separation between the merchant and the bank, which is obviously problematic. In fact there are 3 different things that you would expect to have some separation: the hardware (MacBook Pro), the services (iCloud), and the credit card. But now all 3 are the same, so buying the hardware with the credit card causes the service to be shut down.

Whereas if the hardware were Dell, the service was Google, and the credit card was Chase, then this problem wouldn't exist, and it would merely be an issue between Chase and the card holder, not affecting the Google services at all.

[komocode]

Chargeback is to establish that Apple can shutdown your services if Apple thinks you owe them money.

Dustin was erroneously credited for something from Apple, and now Apple shutdown his account because they want the money back. This would have happened if it was a Chase card which would prove this statement wrong (which is my whole point):

" 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."

[_qulr]

> Making this situation sound like this would have never happened if Dustin used a Chase card would be not true.

It is true! If Dustin missed a Chase payment, it has no effect on any of these other things. The iCloud account was paid up already, it wasn't late.

[komocode]

Wrong.

If Dustin used a Chase card for the trade in/payment for the Mac, this situation would have resulted in the exact same way.

[_qulr]

> If Dustin used a Chase card for the trade in/payment for the Mac, this situation would have resulted in the exact same way.

How so? Apple charges the Chase card, Chase pays Apple, end of story as far as Apple is concerned, Apple gets its money.

[shuckles]

Neither is relevant. The account was shut down because it owed Apple Retail money and they weren’t able to collect on its payment method on file, regardless of what that payment method was.