Regular installment payment is not reflected in the amount paid (apple card)

I have 12-month installment plan for an Apple device and payments 1 and 2 were reflected in the total amount "Paid" within a day of payment paid. But payment 3 is in limbo. 4 days after the payment date, the amount is not being reflected in the total paid. Total paid has not changed since the day after payment 2 was made. When I talk to the Apple Card reps, ALL of them first say that this is because I was probably making an "extra" payment and blah blah blah. But this a regular, scheduled payment. On the same screen I see 3 payment processed, but the only the first 2 counted as paid. There doesn't appear to be reason for payment 3 to be impacted this way. An Apple Card rep then told me that what I'm seeing is that 3 months in, the first payment has been "converted" to pay for taxes. But that doesn't make sense. I have 9 scheduled payments left and if all are completed, then this won't add up to the amount that they are currently saying that I owe, unless payment 3 is counted, which is should be. After being bounced around a lot (5 different reps, and then one to Apple sales for some reason) and then being asked to call in only to be put on hold for 30 mins, I finally spoke to someone who said they were a "supervisor" but they didn't have much information beyond what others had said. She did confirm there were no bugs or systems issues showing up at the present time, that would cause an an anomaly. But also, she said this immediately after I asked so she didn't bother to check anything.


I think there must be a bug somewhere but the Apple Card specialists either vociferously deny that this is possible or they said they don't have much information other than the text they copy/pasted about "extra payments". When asked why an agent told me that the payment was simply being "taken" without being applied to my balance, none of the other agents or the supervisor could explain that statement. One said he was "probably being nice". Again.. not clear why admitting to embezzlement is being "nice."

Posted on Jan 3, 2026 1:29 PM

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5 replies

Jan 3, 2026 1:47 PM in response to abodrogl

I would give it until the end of the day on Monday to update. Not unusual for Credit Card transactions to be pending for a day or two before they are finalized and reflecting on the account. I say this for any credit card purchase, not specific to the Apple Card (Mastercard). With the payment on Wednesday and the Holiday on Thursday that just leaves Friday. Even though these are electronic transactions, I have found that processing times is still dictated by business days. Does it show as Pending when you tap on the Wednesday installment?

Jan 3, 2026 1:48 PM in response to abodrogl

It’s not embezzlement. Do you know the definition of embezzlement? Let’s not raise legal issues that serve no purpose and just cloud the issue. Agreed?


Did you have other charges during the last statement period? Do you know the minimum payment due on your statement includes the monthly installment payment and your calculated minimum payment on the purchases?


How were the payments made, Apple Cash, checking account or how exactly? Have there been any issues with previous payments?

Regular installment payment is not reflected in the amount paid (apple card)

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