I do not recommend anyone get this card! After being on the phone with reps for over half an hr and being transferred to multiple departments I received an answer that it takes 7-10 days to reflect a payment into your account. The payment was immediately deducted from my account but would take 7-10 days to reflect on my Apple Card balance. Worse credit card and card service I have ever experienced. The only way for a payment to immediately reflect on your available balance is to put money on your Apple Cash then pay off your Apple Card with the funds from your Apple Cash. The most ridiculous thing I have ever experienced with a credit card; I already closed the account after a month, not dealing with that!