topic Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card in Credit Cards

Apple Card Problem. No longer have access to Apple ID. Can't manage card

CreditPreditor — Fri, 07 Aug 2020 16:04:33 GMT

I accidentally assigned my Apple card with the phone/apple ID I was using as a loner for a company I worked for. Longs story short, I left the company without realizing I could not re-assign it to my Apple account unless I had the old credentials. I no longer have access to this from the company I was working at.

I have contacted Apple and Goldman Sachs thinking I'd be fine if I gave them social and some other info. Due to their special "security", the only thing they could recommend is closing the account and opening a new one. Which I don't want to do becuase I have over 10K limit, and with the Pandemic, I know I probably won't get that again. + the other obvious drawbacks in doing so.

Anyone have any input or thoughts on this? I can't even use the card now because I can't manage payments. Am I out of luck until (and even if) they address the issue?

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

Credit12Fico — Fri, 07 Aug 2020 21:18:24 GMT

Don't know if this helps but apple has online portal now to manage card and payments:

https://card.apple.com/

So as long as you still have the card, you can still use it, and pay it off...But it's just going to be a 1% card if you aren't able to use Apple Pay.

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

CreditPreditor — Sat, 08 Aug 2020 10:47:52 GMT

@Credit12Fico wrote:
Don't know if this helps but apple has online portal now to manage card and payments:
https://card.apple.com/

So as long as you still have the card, you can still use it, and pay it off...But it's just going to be a 1% card if you aren't able to use Apple Pay.

.As I said, the whole issue here is I don't have the apple ID/login. It was registered from my old companies Apple ID.

[Mod cut - This was unnecessary. - KiB]

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

randomguy1 — Sat, 08 Aug 2020 04:57:41 GMT

I would contact my old company.

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

notmyrealname23 — Sat, 08 Aug 2020 06:15:21 GMT

Sorry, but if you don't have access to the AppleID and the phone, and can't work with your old company, this is going to be very difficult to untangle.

I would take the advice of the credit issuer and the device manufacturer, go ahead and close the account and reapply, and consider this a potentially expensive lesson on why you keep your professional work life and personal life separate. It's unfortunate but you've boxed yourself into a corner on this one.

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

tacpoly — Sat, 08 Aug 2020 10:48:31 GMT

@CreditPreditor wrote:

@Credit12Fico wrote:
Don't know if this helps but apple has online portal now to manage card and payments:
https://card.apple.com/

So as long as you still have the card, you can still use it, and pay it off...But it's just going to be a 1% card if you aren't able to use Apple Pay.

.As I said, the whole issue here is I don't have the apple ID/login. It was registered from my old companies Apple ID.
[Mod cut - This was unnecessary. - KiB]

Did the company delete the Apple ID you were using or did they simply take back the phone/device? If the latter, you can sign in to iCloud.com with your old ID and password, then change your Apple ID to your personal email under manage my ID (hopefully you didn't have 2-factor authentication turned on). If the former or you can't remember any login details, then I think you're out of luck.

BTW, I hope you wiped your company loaner phone, removing any personal info, including your Apple Card.

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

UpperNwGuy — Sat, 08 Aug 2020 09:35:43 GMT

@notmyrealname23 wrote:
consider this a potentially expensive lesson on why you keep your professional work life and personal life separate.

This is really important advice that everyone should follow.

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

K-in-Boston — Sat, 08 Aug 2020 10:51:48 GMT

Posts have been removed and edited. The Terms of Service and FSR requirements of these forums are not optional.

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

NRB525 — Sat, 08 Aug 2020 11:08:10 GMT

@tacpoly wrote:
@CreditPreditor wrote:

@Credit12Fico wrote:
Don't know if this helps but apple has online portal now to manage card and payments:
https://card.apple.com/

So as long as you still have the card, you can still use it, and pay it off...But it's just going to be a 1% card if you aren't able to use Apple Pay.

.As I said, the whole issue here is I don't have the apple ID/login. It was registered from my old companies Apple ID.
[Mod cut - This was unnecessary. - KiB]
Did the company delete the Apple ID you were using or did they simply take back the phone/device? If the latter, you can sign in to iCloud.com with your old ID and password, then change your Apple ID to your personal email under manage my ID (hopefully you didn't have 2-factor authentication turned on). If the former or you can't remember any login details, then I think you're out of luck.

BTW, I hope you wiped your company loaner phone, removing any personal info, including your Apple Card.

It's likely that Apple ID is also linked to OP's prior work email, and that can be a problem as part of verification.

I'd close the Apple Card account if that is an option. Untangling old Apple ID's is not fun. DGF has at least one prior Apple ID with purchases that kept giving pop ups on the iPhone and MacBook, and it took us several tries to redirect. The methods Apple provides are difficult to follow.

In the case of the Apple Card, I would not be comfortable that it was completely back under my control, even if the redirect were successful. Potentially real money floating around out there that becomes an obligation of OP. Not a huge risk of that happening but I don't like the risk at all, seeing how easily my Apple Card populated to my iPhone after I applied.

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

Anonymous — Sat, 08 Aug 2020 20:13:28 GMT

Could be a dumb question, but you mentioned the CARD is tied to your old login. Will they let you request a new physical card (and thus card #) by phone? And then... will you be able to add this new card to a new account?

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

Credit12Fico — Sat, 08 Aug 2020 20:30:35 GMT

@Anonymous wrote:
Could be a dumb question, but you mentioned the CARD is tied to your old login. Will they let you request a new physical card (and thus card #) by phone? And then... will you be able to add this new card to a new account?

That could be a good idea. Just call in and tell them you have good reason to believe your card number has been compromised, can they please re-issue. I feel he might hit a snag when trying to link the new card to the "wrong" apple-ID though. Not really sure.

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

notmyrealname23 — Sat, 08 Aug 2020 21:07:14 GMT

@Anonymous wrote:
Could be a dumb question, but you mentioned the CARD is tied to your old login. Will they let you request a new physical card (and thus card #) by phone? And then... will you be able to add this new card to a new account?

That's the problem, though. Imagine someone steals your mail and activates your Apple Card against a different AppleID. Uh-oh, they now have your credit line available for fraud. Obviously Apple and Goldman Sachs don't want this and they want issued cards tied to the correct person, so now OP has to do stuff to contravene very sensible fraud protection.

Really, the solution where the OP opens a new account where OP's personal information is 100% under OP's control instead of the AppleID being under OP's former employer's control is the best solution here.

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

Anonymous — Sun, 09 Aug 2020 01:51:56 GMT

@notmyrealname23 wrote:
@Anonymous wrote:
Could be a dumb question, but you mentioned the CARD is tied to your old login. Will they let you request a new physical card (and thus card #) by phone? And then... will you be able to add this new card to a new account?
That's the problem, though. Imagine someone steals your mail and activates your Apple Card against a different AppleID. Uh-oh, they now have your credit line available for fraud. Obviously Apple and Goldman Sachs don't want this and they want issued cards tied to the correct person, so now OP has to do stuff to contravene very sensible fraud protection.

Really, the solution where the OP opens a new account where OP's personal information is 100% under OP's control instead of the AppleID being under OP's former employer's control is the best solution here.

I can surely understand there's a process to be followed, but I can also empathize with OP whose SL is almost certainly more generous than he may be offered in the current economic climate. I'd still suggest the official process as a last resort - I just have a one concern regarding your suggested scenario, above:

The proposed would take more than just an intercepted piece of mail. Each card activation I've performed required last 4 of SSN to activate. Apple Cards (I just signed up for one, via mobile) present you with an option to associate it with an Apple ID, but also a "proceed as Guest" button. Perhaps treating a credit card the same was as an iPhone or MacBook wasn't the best idea by Apple. I get the whole unified platform thing, but lord, did he have to turn off Find My Apple Card, too?

Wish there was alternate management options like managing through GS website? (Farfetched but worth entertaining) There must be SOME way to break it loose and reassign. Maybe try to call in a wipe on the "lost" (returned) Apple device or report the account compromised / locked out?

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

CreditPreditor — Mon, 10 Aug 2020 20:36:46 GMT

No you need the Apple ID/credentials associated with the card. As I said in the post. They will not accept social sec etc. they ask for Apple login credentials

@Credit12Fico wrote:
@Anonymous wrote:
Could be a dumb question, but you mentioned the CARD is tied to your old login. Will they let you request a new physical card (and thus card #) by phone? And then... will you be able to add this new card to a new account?

That could be a good idea. Just call in and tell them you have good reason to believe your card number has been compromised, can they please re-issue. I feel he might hit a snag when trying to link the new card to the "wrong" apple-ID though. Not really sure.

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

coldfusion — Mon, 10 Aug 2020 20:59:51 GMT

This is a general issue with Apple. They don't (unless they changed it recently) have a way to update the email address of an existing AppleID account.

If someone creates an AppleID for themself and mistakenly enters your email address neither you, the accountholder, nor Apple CSRs can't fix it. BTDT.

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

SouthJamaica — Mon, 10 Aug 2020 21:02:28 GMT

@CreditPreditor wrote:
I accidentally assigned my Apple card with the phone/apple ID I was using as a loner for a company I worked for. Longs story short, I left the company without realizing I could not re-assign it to my Apple account unless I had the old credentials. I no longer have access to this from the company I was working at.

I have contacted Apple and Goldman Sachs thinking I'd be fine if I gave them social and some other info. Due to their special "security", the only thing they could recommend is closing the account and opening a new one. Which I don't want to do becuase I have over 10K limit, and with the Pandemic, I know I probably won't get that again. + the other obvious drawbacks in doing so.

Anyone have any input or thoughts on this? I can't even use the card now because I can't manage payments. Am I out of luck until (and even if) they address the issue?

I think you're at risk here, of having an account in your name which you can't use. I think you should close it, whatever the consequences.

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

SouthJamaica — Mon, 10 Aug 2020 21:03:36 GMT

@notmyrealname23 wrote:
Sorry, but if you don't have access to the AppleID and the phone, and can't work with your old company, this is going to be very difficult to untangle.

I would take the advice of the credit issuer and the device manufacturer, go ahead and close the account and reapply, and consider this a potentially expensive lesson on why you keep your professional work life and personal life separate. It's unfortunate but you've boxed yourself into a corner on this one.

I agree 100%

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

RadioRob — Tue, 11 Aug 2020 05:03:37 GMT

Check out the following URL:

https://appletoolbox.com/lost-access-to-your-apple-id-email-you-can-still-change-it/

It talks about changing email address of an AppleID you no longer have access to. Specifically you'll be working on the AppleID.apple.com site.

Good luck.

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

tacpoly — Tue, 11 Aug 2020 14:03:34 GMT

OP, if someone not you has access to your Apple ID and password, then they can have access to your Apple credit card. I suggest at the least putting a freeze on all charges or cancelling the card altogether.

People seem to be talking about Apple ID and email as if they are separate. Your Apple ID is your email* -- you can associate other emails with that ID (iCloud.com emails) but that ID is Apple's primary email for you.

However, even if a person doesn't have the device or email account, he can still sign in to iCloud.com to change his Apple ID because presumably he would still have the login and password (if not in his brain then on a password manager). It's harder if he's enabled 2-factor, but there are workarounds to that as well depending on how he set up account security (recovery codes, security questions).

*this policy is stupid as it has implications if you use Mail and iCal: all meeting requests that you accept on (mac) Mail are sent from your Apple ID email -- regardless of the invites being sent to another email account. It's amazingly idiotic.

Re: Apple Card Problem. No longer have access to Apple ID. Can't manage card

Anonymous — Tue, 11 Aug 2020 21:13:07 GMT

Online maybe, but I have a very hard time believing they would ask for the actual password over the phone. With most passwords today not making any kind of sense, the average handle time of a lost device/card call would skyrocket with agents trying to repeat back all 16+ characters of suggested KeyChain "strong" passwords. In addition to being a very bad security idea if said person was in a call center.