<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>elliekelly</author><text>&amp;gt; It appears as though charges from Apple are special, and if your account is not 100% current, Apple will quickly take drastic action.&lt;p&gt;It&amp;#x27;s not just charges made on your Apple card. Here&amp;#x27;s a comment thread[1] from two years ago when I mentioned Apple did the same thing to me over a recurring charge for iCloud that failed because I got a new debit card and didn&amp;#x27;t update it in time. (I was traveling.)&lt;p&gt;Unlike the author of the post you linked I was given zero notice or warning that all-things-Apple would stop functioning. I had assumed the charge would just fail the same way any other charge to a &amp;quot;bad&amp;quot; card wouldn&amp;#x27;t go through and that my iCloud subscription might lapse. I never in a million years imagined the charge would create an $8 debt to Apple payable immediately and that my iPhone (which I owned outright, not financed through Apple or anyone else) would be bricked unless and until I paid up. I was unable to download &lt;i&gt;anything&lt;/i&gt; from the app store at all until I entered new payment information. I couldn&amp;#x27;t even download free updates to free third-party apps.&lt;p&gt;Over $8.&lt;p&gt;[1]&lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;news.ycombinator.com&amp;#x2F;item?id=18917685&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;news.ycombinator.com&amp;#x2F;item?id=18917685&lt;/a&gt;</text><parent_chain><item><author>ineedasername</author><text>Apple&amp;#x27;s card wouldn&amp;#x27;t seem so bad to me if they didn&amp;#x27;t treat debt to Apple differently [0] &amp;amp; lock people out of all of their Apple services when there&amp;#x27;s a payment overdue. It&amp;#x27;s crappy enough to be behind on bills without that sort of pile-on, not to mention the Kafka-esque process of fixing the issue.&lt;p&gt;[0] &lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;dcurt.is&amp;#x2F;apple-card-can-disable-your-icloud-account&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;dcurt.is&amp;#x2F;apple-card-can-disable-your-icloud-account&lt;/a&gt;</text></item><item><author>BugsJustFindMe</author><text>Plastic card distribution can be extremely frustrating, because the only time you need it to happen is when you don&amp;#x27;t actually want it to be needed (fruad, loss, damage, new account, whatever). You just want to fucking buy things, not deal with shipping incompetence, you know?&lt;p&gt;This reminds me of a time I was traveling and had to cancel a lost credit card. I told the card company that I was not at home,was definitely outside of the country, not going to be home, definitely staying at an address that was not the home address listed on the account, wanted the card to be sent to _me_ and not my _home_, gave them my foreign delivery address 5 times over as many weeks, got 5 separate promises that the card was definitely going to reach me at my outside-of-the-country-and-not-at-home location in just a few business days, and the card never showed up. So I just gave up. And then, when I finally went home there were 5 goddamn cards in my mail slot.&lt;p&gt;Honestly this reason alone makes Apple&amp;#x27;s purely digital credit card my favorite. Need a new card number? Just push a button. No incompetent shipping divisions with 5 hops and as many business days between you and your ability to buy things when your card number is breached.</text></item></parent_chain></comment><story><title>My bank sent me 64 copies of the same debit card</title><url>https://old.reddit.com/r/mildlyinteresting/comments/m2x83h/my_bank_sent_me_64_copies_of_the_same_debit_card/</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>cptskippy</author><text>This doesn&amp;#x27;t sound like it&amp;#x27;s Apple Card but rather the Apple Store doing the disabling.&lt;p&gt;He said his Bank Account info had changed and the Auto-Pay to Apple Card failed.  He mentions a card decline but that he had available balance, he never mentions that is Apple Card is disabled however and is vague about the specifics surrounding the card.&lt;p&gt;He bought a Macbook, didn&amp;#x27;t or wasn&amp;#x27;t able to fulfill the trade-in, and thus the Apple Store determined he owed the amount they credited for the Trade-In.  So when the Apple Store tried to debit his Apple Card for the trade-in amount it failed.  The Apple Store then disabled the device purchased and the accounts associated with the purchase.&lt;p&gt;I have a feeling if you tried to do this with a Pre-Paid Visa or a Debit Account, Apple would still disable the device and accounts.&lt;p&gt;* Yeah it&amp;#x27;s just what I said.  Apple&amp;#x2F;Store froze his accounts, not Apple Card.&lt;p&gt;&lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;www.macrumors.com&amp;#x2F;2021&amp;#x2F;03&amp;#x2F;03&amp;#x2F;apple-missed-apple-card-payments-apple-id&amp;#x2F;&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;www.macrumors.com&amp;#x2F;2021&amp;#x2F;03&amp;#x2F;03&amp;#x2F;apple-missed-apple-card...&lt;/a&gt;&lt;p&gt;This will happen to anyone&amp;#x27;s accounts if they don&amp;#x27;t fulfill a transaction with Apple Store.  It has nothing to do with Apple Pay.&lt;p&gt;**  I also find it strange that he missed an email from Apple telling him he was delinquent on his purchase AND didn&amp;#x27;t see any emails about an Auto-Pay failure all while waiting for an email from Apple Support about his account being disabled.</text><parent_chain><item><author>ineedasername</author><text>Apple&amp;#x27;s card wouldn&amp;#x27;t seem so bad to me if they didn&amp;#x27;t treat debt to Apple differently [0] &amp;amp; lock people out of all of their Apple services when there&amp;#x27;s a payment overdue. It&amp;#x27;s crappy enough to be behind on bills without that sort of pile-on, not to mention the Kafka-esque process of fixing the issue.&lt;p&gt;[0] &lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;dcurt.is&amp;#x2F;apple-card-can-disable-your-icloud-account&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;dcurt.is&amp;#x2F;apple-card-can-disable-your-icloud-account&lt;/a&gt;</text></item><item><author>BugsJustFindMe</author><text>Plastic card distribution can be extremely frustrating, because the only time you need it to happen is when you don&amp;#x27;t actually want it to be needed (fruad, loss, damage, new account, whatever). You just want to fucking buy things, not deal with shipping incompetence, you know?&lt;p&gt;This reminds me of a time I was traveling and had to cancel a lost credit card. I told the card company that I was not at home,was definitely outside of the country, not going to be home, definitely staying at an address that was not the home address listed on the account, wanted the card to be sent to _me_ and not my _home_, gave them my foreign delivery address 5 times over as many weeks, got 5 separate promises that the card was definitely going to reach me at my outside-of-the-country-and-not-at-home location in just a few business days, and the card never showed up. So I just gave up. And then, when I finally went home there were 5 goddamn cards in my mail slot.&lt;p&gt;Honestly this reason alone makes Apple&amp;#x27;s purely digital credit card my favorite. Need a new card number? Just push a button. No incompetent shipping divisions with 5 hops and as many business days between you and your ability to buy things when your card number is breached.</text></item></parent_chain></comment><story><title>My bank sent me 64 copies of the same debit card</title><url>https://old.reddit.com/r/mildlyinteresting/comments/m2x83h/my_bank_sent_me_64_copies_of_the_same_debit_card/</url></story>