i have paid my installment contract of 12 payments for my ipad but they are still saying i owe one payment apparently first payment was not credited although it was made. i called the bank but the person i talked to hung up on me

Review your last 12 statements and make sure you’ve made all the payments. In my experience the payments don’t start until the month after the purchase. The payment at time of purchase only covers the sales tax. If you purchase an item on 12 months installments on January 1, 2024, the first payment will not be due until February 29, 2024 and the 12 months will not end until February 28, 2025.

If you believe you’ve made all the payments please contact an Apple Card Specialist at Goldman Sachs Bank.

CONTACTING — Goldman Sachs Bank 

• Using Messages; chat with an Apple Card specialist

• Call toll-free at 877-255-5923

• Write to: Goldman Sachs Bank, Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112.

Great, thank you for sharing! Now look at the date in the upper left corner of the image you shared. The date is in January (2024) this month. The statement you circled say >This month’s installment.< This month is January. You need to pay this month, to fulfill your installment agreement.

What you’ve posted confirms everything I said above.

Your first payment was February of 2023. When you pay January 2024 (this month) will be 12 payments.

You are seeing exactly as I described above. You purchased the item in January, 2023. Your installment was billed on your February statement and paid no later than the due date of 02/28/2023. When you pay the January 2024 statement (this month) you’ll have made your 12 and final payment.

Yes, thank you.

You got billed for the first installment January 31. The installment was a part of your >Minimum Payment Due< that was paid in February. It was impossible to pay it in January because you hadn’t been billed for the first installment yet. If you did pay extra in January it was was applied to your regular balance due and not your installment.

What you pay in February was charged in January. Credit cards are called revolving accounts. They are always due a month behind the billing/charge you receive. You’re just a month behind. Beginners with credit frequently are confused by this aspect of revolving accounts.

What did they tell you?

What month did you purchase the item?

So, my question remains > what month did you purchase the item?<