As an aside to the main issue here, I feel this is another cautionary tale in jumping to conclusions based on something someone says on social media.
In a response to the original tweet, the author said that "the only thing Apple Card was paying for was the 2TB iCloud upgrade". Now, in this blog post hours later, we learn that actually the author is at least $250* short on a payment for a MacBook Pro. While this is still a grey issue, not having paid your minuscule iCloud subscription versus not having paid for your new Apple computer in full are qualitatively different situations.
*the trade-in value of the author's old Mac; my 2017 MacBook Pro trades in for $360.
In a response to the original tweet, the author said that "the only thing Apple Card was paying for was the 2TB iCloud upgrade". Now, in this blog post hours later, we learn that actually the author is at least $250* short on a payment for a MacBook Pro. While this is still a grey issue, not having paid your minuscule iCloud subscription versus not having paid for your new Apple computer in full are qualitatively different situations.
*the trade-in value of the author's old Mac; my 2017 MacBook Pro trades in for $360.