every Apple charge on the crypto.com card started failing in February and nothing else did

Or hold the card that never reissues because there is no tier to fall out of. Staking a token to earn a percentage back on the same token is a circle, not a product.

The 6% is still the highest number on the whole board though!!

Four hundred thousand dollars locked for six months to earn six percent back on groceries. Work out the opportunity cost and tell me it is the highest number.

it is the highest number on the marketing page. those are different pages

Week later. iCloud still failing. Apple support says the issuer is declining, the card app says nothing has been declined.

Ask Apple for the decline code and the date; they will usually give you both if you push. It is the only way to establish which side is actually saying no, and at the moment you have two parties each pointing at the other.

They gave me one. It is a generic do-not-honour, so it tells me nothing except that it is the issuer.

Had the exact shape of this two years ago with a different card - reissued after a fraud flag, everything came back except one subscription that had been on the card longest.

What finally worked was cancelling the subscription outright and starting a new one from the app rather than trying to repair it. Lost the grandfathered price, which stung, but the alternative was a monthly failure notice forever.

Does yours let you cancel and re-subscribe without losing anything you care about?

iCloud yes, the other one no, it is a legacy tier that is not sold any more. So that one I am keeping broken.

Actually here the same problem exist but for different reason - the card work at Apple only if the region of the account match the billing country.

I have friend who move country, keep the account, and every charge fail until he change the region and lose his purchases. Nothing to do with tier or token. Worth to check before you cancel things my friend.

Necroing this because I hit it last week and this was the only thread that named the mechanism.

The tokenisation thing is genuinely new — in 2014 a reissue meant everybody's stored card broke at once and you knew about it in a day, because there was no token layer papering over it. Now the plastic keeps working and only the stored credentials die, so it looks like a merchant vendetta instead of a reissue, and you can burn three weeks before anyone tells you to check the BIN.

The advice in post eight is right and it should be the first thing anyone tries. What I would add is that changing tier on any of these cards is a card change, and you should treat it the way you would treat losing your wallet: list every stored credential you have before you press the button, not after.