Posted by mgh2 10/23/2024
Primary example of this is there is no way to update your email address with the bank. It's your Apple ID and can't change. How do I know this? I changed my Apple ID several years ago, but my credit card comms still come to the old address, and no matter how many times I contact either bank or Apple support, they have no power to fix this. The bank has zero access to edit my information at all, and Apple just sends me in idiotic circles like logging out and into my devices, deleting all other contact emails from my Apple account, etc.
These articles worked for me?
Update your Apple Card account information (including email address): https://support.apple.com/en-us/102512
Change your Apple Account primary email address: https://support.apple.com/en-us/109353
Only Apple Card didn't get the memo and there's no way to poke them to make them update.
tsk tsk. Almost feel bad.
Them's the breaks. I don't love it either, but submission spam doesn't move the needle for our community regardless of timestamps, especially when one randomly didn't gain traction first. If you have a better solution, feel free to email hn@ycombinator.com, maybe the staff will take it up!
Don't sweat the small stuff. This story made it to the front page, isn't that cool? Someone was on to something.
All of these issues would be infuriating if I encountered them, but it's interesting how the breakdown of failures seems to be 50/50 "Apple doing a terrible job designing a clear and consistent UI or process" and "being bit by their attempts at locking people into their ecosystem, independent of the card" and the Goldman Sachs portion seems just outright malicious.
Incompetence and malice combined are a really powerful force.
But the UI is pretty clear when you make a payment, if you drop the amount under the recommended payment how much interest it’s going to cost you.
I really wish everybody who makes claims like these would go to the local library and do volunteer tech support for the elderly, poorly educated and cognitively challenged for a day.
The bar for these things is not "would the average HN reader find this confusing" it is "would the average customer find this confusing". The average IQ is 100, more than half of the US population reads below the grade 6 level.
I'm just saying that "6th grade reading level" is extremely basic level of literacy that a lot of contracts probably couldn't be easily communicated to that level.
Lina Khan seems to be one of the bigger contributors to curbing excesses, at least in the domains she's authorized to, and she may not keep her job in the next admin.
(As to ARMs, from the regulator point of view, much of the economic damage done is in the rear-view mirror; the next big thing is presumably student loans.)
Even if the customers didn't you read the contract, they still got the gist of it through the marketing copy and probably won't hit a point where they're really mad about you. Actual trials will also be easier to deal with as you're in good faith.
For all the press we get on "frivolous" lawsuits, no average Joe are winning actual stupid suits.
Here it's an issue because what the credit card is fundamentally made for (make you pay fees on additional services) and the marketing hook (no additional fee) are at odds and is only true for very specific conditions someone can easily fall out of.
However as you point out - credit cards essentially make money from the less financially savvy by design. It's not entirely a bad thing, in a sense.. some people just run out of money between paychecks and need some liquidity.
Credit access vs predatory debt are sometimes in the eye of the beholder and a very fine line.
It also reminds me of some of the "I've been paying my student debt for 10 years and the balance went up!" like.. yeah, but it means you paid less than the interest. Would you have been happier paying more for the last 10 years? Like what outcome were you expecting and what college education did you go into debt for that didn't prepare you to have reviewed your monthly statements even once in 10 years to realize this?
Caveat Emptor should not mean "They can make the contract literally inscrutable and then you just have to go get fucked".
There's nothing wrong with reasonable consumer protections and required default warranties that CANNOT be discharged by a TOS. You shouldn't have to take a second job to understand whether you are signing away your soul when signing up for a damn credit card.
I cannot, in a contract, just refer to a street address. For reasons of specificity, I must state where the survey marker corner is located -exactly- and then detail how many feet from that in a direction, etc. These long descriptions ensure that there are no misunderstandings later.
The verbiage of these contracts have grown more specific through use. People, or companies, wiggle out of things and new contract language is invented to prevent such wiggle-room in the future.
How would one go about accomplishing a 'dumbing down' of a contract, without losing the anti-wiggle specificity?
Also, I really like that word. Say it with me, please: 'specificity.' Neat.
Perhaps go with the UCC default and not try to have the buyer opt out of every specific consumer right.
The longer the contract, the more one party is probably being screwed with great specificity.
> more than half of the US population reads below the grade 6 level.
So no different to using their website.
- iCloud storage notifications saying have to upgrade to $9.99 plan to continue to store my photos, videos and even worse if I wanted to continue getting my iCloud emails. What(?), as my Google Photos is still sucking/backing up all the same media (goes back to 2016) for free. LAME Apple especially threat of not getting my iCloud emails!!!!
- Apple Intelligence is so LAME compared to chatGPT app that runs on my iPhone. ChatGPT's iPhone app, it's assistant is almost sentient while Siri is still HORRID as it still at times doesnt understand you, you cant have a conversation with it or have it recall previous conversation/info you previously discussed as you can with GPT on iPhone. Again very LAME Apple!
If Microsoft and Open AI made a ChatGPT AI phone I'd drop Apple quickly especially after my first point above ...threatening me that i wont receive my emails if I didnt give them more money!
To my knowledge Google will do the same thing if you are running out of space. I believe it is shared also but I could be wrong. I have been out of Google's ecosystem for a while.
Apple should increase the base amount of storage with iCloud for free. What you mentioned itself is not an Apple thing to my knowledge.
> Apple Intelligence is so LAME compared to chatGPT app that runs on my iPhone. ChatGPT's iPhone app, it's assistant is almost sentient while Siri is still HORRID as it still at times doesnt understand you, you cant have a conversation with it or have it recall previous conversation/info you previously discussed as you can with GPT on iPhone. Again very LAME Apple!
Unless you are on the beta, you are not actually using Apple Intelligence. Even if you are on the 18.1 beta, they have made it clear that they there are multiple updates for everything to come out.
As for Apple Intelligence Ive been using it since late September/early October. Been using ChatGPT app on iPhone for months to more so I expected Siri to be comparable to GPT but its not even close at all. Siri still doesnt understand you always like GPT does, points you to a Google search (maybe that's due to a built agreement with Google) for most things and can not recall how many calories i ate a few days ago (example of recall memory). Using GPT while driving is awesome/handy/i find it very useful (to get info for various chores & count my daily calories). Yet Siri to have the same experience would cause me to have accident.
18.1 (the current beta) has minor improvements to Siri for immediate follow up requests and parsing requests where you stumble over words. 18.2 is supposed to be picking up ChatGPT integration so Siri can ask it about things. The "personal context" recall is apparently in 18.4, so we won't see it until next year.
Honestly, 18.1 launching the new Siri UI (the glowy look) feels like a bad idea -- I'd have kept it until 18.4 when the real intelligence improvements actually land.
https://www.macrumors.com/2024/09/22/apple-intelligence-feat...
Be ready to accept a huge decrease in quality, even compared to chatgpt 3.5
Phones are not computer, they use battery. Whatever apple do, it can't beat the law of physics.
There is no way but send it all on remote computer for ai.
And the capabilities of this model would still be limited as well given that Apple is not going to be able to host a large parameter one for each user.
Using the web interface of another cloud provider to upload files there, and downloading it on your other device? Most cloud providers give you around 10GB for free, which should be more than enough room to install ios updates.
The horrid thing is Apple Intelligence is not worth upgrading your device for and yet that's their marketing to get people to upgrade lol. As another commenter in this thread commented a comparable ChatGPT Siri is coming yet not for some months.
Definitely would jump to another platform if the phone is an AI sentient like driven phone (new paradigm in phone design / layout where there's not as much UI). So far ChatGPT is my best experience with such an AI and Microsoft who owns what half of Open AI did create pretty good Windows phone back in the day. Maybe it will happen... been wanting such since I first used ChatGPT.
iPhone 14 has 6GB RAM. iPhone 15 Pro + 16 have 8GB RAM.
The LORA adapters need to be loaded into memory so seems reasonable they would need extra.
(Or, what happens when you get an early GMail invite and erroneously think, "Awesome, I have a four-character email address. How cool is that?")
