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All replies
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Helpful answers
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Sep 26, 2014 2:36 PM in response to Box06by brenden dv,Hi Box06,
If you have questions about the credit card requirement when setting up a child Apple ID for Family Sharing, you may find the following helpful:
Before you begin, make sure that you're using a credit card as your iTunes Store and App Store payment method. To comply with child online privacy protection laws, you will use the CVV or security code from a valid credit card as part of providing your parental consent. If the card on file is a debit card or another payment method, you’ll be asked to provide a credit card before you can continue. After you create the child's Apple ID, you can change your payment method back to a debit card.
Family Sharing and Apple IDs for kids
Regards,
- Brenden
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Sep 28, 2014 11:52 PM in response to brenden dvby Box06,HI,
first thanks for your answer.
i lived in France and I have only a debit card, I always this payment method for iTunes or apple App Store.
it's very curious that we can use a debit card for add our children to iCloud. And I will not purchase a credit only for one time to create an account to my children ....
i Hope Apple will simplyfied the payment method and allow us to use debit card for childs account creation.
if someone have an alternative it will be so great to share it.
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Dec 12, 2014 6:54 PM in response to brenden dvby Cap'n Awesome,What does Apple suggest for those of us that don't have credit cards? I use debit cards exclusively - I paid off and tore up all my credit cards years ago. I just bought my daughter an iPad Mini for Christmas, but if I cannot set up an account for her I guess I should just take it back to the store??
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Dec 12, 2014 7:01 PM in response to Cap'n Awesomeby KiltedTim,It's a LEGAL requirement. If you don't have a credit card or refuse to use one, then you can not take advantage of that feature.
READ the terms:
To comply with child online privacy protection laws, you will use the CVV or security code from a valid credit card as part of providing your parental consent. If the card on file is a debit card or another payment method, you’ll be asked to provide a credit card before you can continue. After you create the child's Apple ID, you can change your payment method back to a debit card.
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Dec 12, 2014 7:06 PM in response to KiltedTimby Cap'n Awesome,I did read that and I would be happy to comply, but I don't own a credit card! Are you claiming that there are actual laws on the books in the US that state that I cannot prove that I am an adult unless I have a credit card?? I would love to read those.
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Dec 12, 2014 7:20 PM in response to Cap'n Awesomeby KiltedTim,In order to give electronic consent, you must verify your identity. A debit card is not legally acceptable identification. In the absence of paper authorization that's been signed and notarized, a valid credit card is legally acceptable.
I'm not going to dig out the statute. You can dig it up if you want. It won't change anything. If you don't have a credit card, then you can not use family sharing.
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Dec 12, 2014 7:39 PM in response to KiltedTimby Cap'n Awesome,Well, thanks for the help then, I guess I will take it back. I was hoping to standardize the family on Apple products instead of having a mix of Apple and Android, but from what you say there is no way around this requirement. Disappointing. Do you know if there is any way to file a grievance or an "official" complaint with Apple? It has been over a decade since I tore up my credit cards and this is the first and only time it has ever been an issue. I understand that utilizing a credit card is a quick and easy, but they really should have a work-around in place for people like me.
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Dec 12, 2014 7:42 PM in response to Cap'n Awesomeby KiltedTim,You can use the 'contact us' link at the bottom of the page.
Filing a complaint with Apple will accomplish absolutely nothing. If you want to file a complaint where it matters, write your congressman. Apple can't change the law.
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Dec 12, 2014 7:57 PM in response to KiltedTimby Cap'n Awesome,Thanks, I'll use the 'Contact Us' link. Again, I seriously doubt there is actually a law that I *must* own a credit card to verify that I'm a grown-up, Apple has simply chosen to use that method because it is quick and easy. If nobody ever complains about it they will never know that they are losing business because of it. Thanks again.
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Dec 13, 2014 5:26 AM in response to Cap'n Awesomeby KiltedTim,Apple chose that method because it's verifiable and the serves as legal proof that you are agreeing to allow your minor children to use online services. A debit card does NOT work the same way when it comes to the ability to verify your identity. Anyone can walk into a bank, open a checking account, and get a debit card with a Visa logo on it.
Honestly, these days, not having a credit card at all is not a smart move when it comes to your credit rating. Get a credit card. Use it to authorize family share, then set the payment method as your debit card if you want. Stick the credit card in a drawer. Use it one a month for gas and pay it off immediately or something.
Having no revolving credit at all is almost as bad as maxing out multiple cards, and much more than just your ability to get a loan or another card rests on your credit score, believe it or not... How much you pay for insurance is affected, as is, in many cases, your ability to get a job. You're only hurting yourself by refusing. It's your choice, but if you choose not to, you also choose not to be able to use family share.
Keep in mind that verification by credit card is NOT an Apple invention. Any other content provider would have to do the same thing.
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Dec 13, 2014 10:58 AM in response to KiltedTimby Cap'n Awesome,Correct - isn't that what I said? Apple *chooses* to use the credit card method. To put that another way Apple *chooses* not to cater to anyone who chooses not to have any credit cards. There are alternate methods available, but Apple chooses not to utilize any of them (and if you think getting a credit card is harder than getting a debit card you simply haven't ben paying attention - at least getting a debit card requires me to go into the actual bank and let a teller glance at my ID. I get over a dozen credit card offers in the mail every week from companies who would be more than happy to issue me a card based on nothing more than returning the postage-prepaid card with a signature scrawled on it).
Also, to your comment that "not having a credit card is not a smart move" I whole-heartedly disagree. I am not debt free - I have a mortgage and a car loan, I had and paid off credit cards (long ago) and student loans (more recent). My credit rating is very high. Your comment is a myth perpetuated by the payment card industry to keep people paying their interest rates and fees perpetually. I will concede that credit cards are a convenient way for young people to begin to establish their credit rating (ironically at a time in life when they are the most financially irresponsible) but at my stage they are unnecessary.
Do yourself a favor - go through your credit card statements for the last couple years and add up all the interest and fees you have been paying for your cards. I think you will be shocked.
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Dec 13, 2014 1:03 PM in response to Cap'n Awesomeby KiltedTim,Apple CAN NOT LEGALLY offer the service without proof of identity. The credit card is legally acceptable when it comes to your ability to electronically consent to be responsible for the activities of your minor child. A debit card is not.
If you don't like that, too bad. Deal with it. You'll find that NO ONE else offers an alternative for a similar service. They don't do so because it would not be legal.
You can believe whatever you want about credit scores. I don't care.
Continuing to whine and moan because you can't sign up for an online service without a valid credit card isn't going to alter reality in any way.
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Dec 13, 2014 2:55 PM in response to KiltedTimby Cap'n Awesome,Nice. Way to re-enforce the stereotype of a Cult of Apple devotee - this is the first time I have witnessed it first-hand and it's every bit as sad as I expected.
First of all, bringing gaps in service availability to a company's attention is absolutely the best way to address issues like this. It isn't uncommon for companies to have unpublished procedures for dealing with one-off situations like this and asking doesn't hurt anyone (except, apparently, you). The trick is finding the right person to ask.
Second, could you point out the places in this thread where I "whine and moan"? Are you referring to the statements with caps-lock (CAN NOT LEGALLY, NOT, NO ONE) for emphasis? Oh wait, that was you.
How about statements like these:
"If you don't like that, too bad."
"Deal with it."
"You can believe whatever you want..."
"I don't care."
"Apple can't change the law."
"Filing a complaint with Apple will accomplish absolutely nothing."
Yea, those were you also. Pretty sure only one of us is "whining and moaning."
Have a nice day.
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Dec 13, 2014 5:55 PM in response to Cap'n Awesomeby KiltedTim,How about "get a life"... and "get over yourself".
YOU chose to exclude yourself from being able to use services that require a credit card. You don't even have to use the stupid thing to pay for anything, just to verify your identity.
Deal with the consequences.
