The Apple Card comes with a Disaster Relief Program, according to a MacRumors reader who lives in Houston and recently experienced some flooding from tropical storm Imelda.
Apple sent MacRumors reader Frequeniquity an email suggesting that he apply for the program after Apple detected that he "may have been affected by a natural disaster."
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Emails sent out by Apple, which were also received by another MacRumors reader, offer the following benefits:
- No interest for two months, starting with the month you enroll. After two months, your standard purchase APR will apply.
- You can skip the payment due in the month you enroll.
- If your account is in good standing, you will remain current while enrolled.
- If your account is past due, your account will not go further delinquent while enrolled. However, your account will remain paste due until you make all of your past due payments and your ability to make new purchases may continue to be restricted.
According to the email sent out to Apple Card users, those interested in applying for the Disaster Relief Program should contact an Apple Card Specialist after receiving an email.
Apple appears to be sending out these emails to customers who have addresses registered in areas where a natural disaster has occurred, and presumably this will be a benefit offered to all Apple Card users who are experiencing issues like floods, fires, earthquakes, and other issues.
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It allows responsible adults, the majority of credit card holders, to buy things to begin to recover their lives before the insurance check comes in. Otherwise, you're stuck for 2 months without clothes or other daily necessities. And some insurance, particularly replacement cost coverage, won't pay until after you buy the replacement. This is responsible use of credit.Isn’t this almost like preying on those in a bad situation?
“Hey, load up our credit card with purchases because your life was just ruined. We won’t charge interest for the first two months!”
Some of it is required or sponsored by the government, e.g. mortgage deferrals through HUD. So it isn't merely a generous gesture.
It's all how people take it though "glass half full/empty". If you have an ounce of personal responsibility you will know not to charge more than you can pay off, and can use programs like this to get back on feet with basic life items.Isn’t this almost like preying on those in a bad situation?
“Hey, load up our credit card with purchases because your life was just ruined. We won’t charge interest for the first two months!”
“Hey, load up our credit card with purchases because your life was just ruined. We won’t charge interest for the first two months!”
As someone else pointed out, this is not limited to Apple, but an industry standard. Just seems weird.
It only took 17 posts for someone to ? on Apple.sorry, but this feels slimy and just a tad predatory.
"Why isn't it 6 months no interest??" "Why do they have to restrict my card???"
Sometimes Apple can't catch a break