Apple Charged Entire Product Balance Despite Balance being Zero and Product signed up for Monthly Payments
I have monthly scheduled payments on Apple Card. A week before my scheduled payment I bought a new $1,299 MacBook with the card so I could take advantage of the interest free monthly payments - there was a small charge that day and got the receipt for what would be my monthly payment for the next 12 months. The day before payment was due, I updated the amount to pay the entire balance in full that day - something I've done multiple times over the years (not including the new computer). My balance was zero on Apple Wallet.
The next day, I see two separate charges: $1,290.04 then later in the day $8.06. The same was reflected in my checking account despite that fact that in the morning my Apple Wallet said not payment was due because my balance was zero.
When I called Apple, I was told by a specialist that I had "Scheduled that payment" which was not accurate.
Also, if my balance was zero when Apple pulled $1,299 out of my checking account, why wasn't my Apple Wallet balance negative $1,299?
I was told within 10 days I would be notified of the result of the disputed charge. After 2 weeks I got an email saying they have received my inquiry and will try and resolve it within 90 days.
I called again to speak with someone and their reasoning was that despite having paid my monthly balance in full, because I have auto pay, Apple went ahead and charged me the entire cost of the computer because while my balance said "Zero" under the Monthly Installment plan for the computer there was a $1,299 balance so Apple went ahead and paid the full amount despite signing up to pay for the computer monthly.
How there isn't a disclaimer from Apple that if your credit card balance is zero after scheduling monthly auto payments, that if you also have purchased an Apple product to be paid monthly, Apple will just charge you the full amount.
iPhone 14 Pro Max
