How to pay more than monthly incurred AppleCard charges for an outstanding (but no interest charges) balance.

Purchased two new phones in December so we have interest free balance to pay off through AppleCard - I want to pay some on that balance beyond a monthly charge shown on my January bill but cannot. The wallet app lets me select the kaypad under 'make a payment' to enter a new amount more than the monthly balance - the screen even shows a new message 'pay more toward your balance' (exactly what I want to do. However, the 'pay later' and 'pay now' buttons are gray and not available now since I entered the new amount. Is this a glitch or am I doing something wrong? Thanks for any help.

iPhone 11 Pro

Posted on Jan 2, 2020 6:56 AM

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Question marked as Top-ranking reply

Posted on Jan 2, 2020 1:21 PM

Try signing out of your Apple ID and back in.



I also found this -

Make additional payments on your Apple Card Monthly Installments

If you pay your minimum payment due each month, you're automatically paying your Apple Card Monthly Installments. To make an additional payment or pay off your installment balance, you need to pay your Maximum Payment for all other Apple Card purchases before additional payments can be applied to your installment balance.

Apple Card Monthly Installments are interest-free and all other purchases you make with your Apple Card have a variable APR. When you pay toward your Apple Card balance first, you can reduce or eliminate interest charges.

If you pay more towards your installment balance, you might reduce the number of payments, but you're still required to pay your installment the next month.


3 replies
Question marked as Top-ranking reply

Jan 2, 2020 1:21 PM in response to AlfieUS

Try signing out of your Apple ID and back in.



I also found this -

Make additional payments on your Apple Card Monthly Installments

If you pay your minimum payment due each month, you're automatically paying your Apple Card Monthly Installments. To make an additional payment or pay off your installment balance, you need to pay your Maximum Payment for all other Apple Card purchases before additional payments can be applied to your installment balance.

Apple Card Monthly Installments are interest-free and all other purchases you make with your Apple Card have a variable APR. When you pay toward your Apple Card balance first, you can reduce or eliminate interest charges.

If you pay more towards your installment balance, you might reduce the number of payments, but you're still required to pay your installment the next month.


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How to pay more than monthly incurred AppleCard charges for an outstanding (but no interest charges) balance.

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