Please provide some clearer support for this statement of supposed fact.
We've got so many MUCH MORE likely scenarios.
These are the common ones that disable or lock account:
* Repeatedly entering an incorrect Apple ID and password. * Not using your Apple account for an extended amount of time * Billing issues such as unpaid iTunes or App Store orders * Security reasons * Charge disputes on your credit card
I've yet to hear of a missed payment on an apple card resulting in this (and I have an apple card and have missed payments).