Apple Card Installment plan and trade-in value revised.

Well, everything did work out a way that makes sense. I guess.

The Original Numbers:

iPhone 11 Pro with AppleCare+: $1,548.00

Less Apple Trade In Value: $320.00

Total: $1,228.00

Monthly Payment via Apple Card $51.16/mo. for 24 mo. at 0% APR

I was also charged sales tax to my Apple Card: $85.96 (7% of $1,228).

Then, I got the notification that my Trade in Value was changed to $75 and I would be charged the difference of $245 if I accepted the new terms. After trying to figure out exactly what was going to happen I went ahead and hit accept. No mention of the addition of the extra sales tax or if my Monthly Payment would change or if I had to pay the $245 all at once.

What happened: After a few weird emails(one that showed I was actually getting the full $320) and a few days. I went online to see the result, it said I would be charged $245 + $17.15 sales tax for a total of $262.15. It still wasn't exactly clear if this would change the installment plan. It wasn't even clear it would charge my "Apple Card" or bill me separately. It still took several days for anything to happen on the "Apple Card", finally, there was a single charge of $262.15 to the Apple Card. So my original payment plan based upon the $320 trade in was still the same. (Still $1,228 ➗ 24 months.) Just because this happened this way, to me, doesn't mean it won't change. It was a lot less complicated when I just got a credit after the trade-in.

Also in the process the order for the iPhone has completely disappeared from my Account entirely and only shows the trade-in value of $75. Apparently, the system needs a little more work.