You can! That's one of the things that makes this particular payment plan so interesting. If you return the iPhone, you'll lose that cashback reward. Of course, just like anything you purchase, that 3% is subject to any changes you make. When you purchase your iPhone (or any other Apple device) using Apple Card Monthly Installments, 3% of the total amount off your purchase is sent to your Daily Cash balance right away. I heard I can get the 3% cashback all upfront Just select the Apple Card Monthly Installments option when checking out through the Apple Store app or on the online store. Yes, you can also use Apple Card Monthly Installments to finance your next iPad, Apple Watch, or even Mac. You can pick any of these phones SIM-free or with AT&T, Sprint, T-Mobile, or Verizon as your carrier.
Which iPhones are eligible for Apple Card Monthly Installments? You can switch to a different carrier at any time. You are also not locked into a specific carrier for two years. If you select Apple Card Monthly Installments as your payment method, you can buy a SIM-free iPhone, instead. When you apply for an iPhone Payments loan you are required to select a carrier, though you will still be getting an unlocked phone. If you buy the most expensive iPhone at, say, $60 per month, but only pay $30 a couple of those months, you won't get in trouble. With Apple Card Monthly Installments, you are promising to pay for the total cost of the iPhone by paying your credit card bill each month. The Bank will run a credit check on you (a soft pull) to determine your eligibility. With iPhone Payments, you are taking out a loan from Citizens Bank. There are a couple of additional differences, too. The biggest difference between the two is that you have to be approved for the iPhone Payments Plan but you're already approved if you have an Apple Card. How is this different from the iPhone Payments Plan? All you have to do is select Apple Card Monthly Installments when buying your new iPhone. If you have an Apple Card and your credit is in good standing with Goldman Sachs, you're good to go. There's no application to fill out, no pre-approval necessary.
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