Consumer Tech Serious Credit Warning Issued For Millions Of iPad, iPhone Users Gordon Kelly Senior Contributor Opinions expressed by Forbes Contributors are their own. I write about technology's biggest companies Jun 11, 2022, 05:31am EDT | Share to Facebook Share to Twitter Share to Linkedin Beta code from the first release of iOS 16 has already leaked a new HomePod and a potentially exclusive iPhone 14 Pro upgrade, but it also contains a feature users have been warned about using. Posting on The Conversation, Rajat Roy, Associate Professor of the Bond Business School, Bond University, has warned iPhone and iPad owners that the new 'Apple Pay Later' service baked into iOS 16 has potentially serious financial consequences — particularly for your credit rating.