Those with APPLE CARD I have a question.

[creditguy86]

How do you pay your full balance? I've only been able to pay at the most 127 out of a 1200 balance. I checked my wallet and says nothing due and this time and I have $203 in available credit. 

[FalconSteve]

Is the charge still pending?

[Mischa]

If it says no payment due it's because you've paid your May balance and June isn't due yet. However you can certainly prepay for June charges as long as they aren't still pending. Click where it says no payment due in the wallet and it should give you an option to make a payment. 

Is the $1200 an installment balance where you get charged part of it each month? If that's the case doing a prepayment on it might require doing something different in the app. I haven't done any installments but I'm sure someone else can weigh in. 

[NRB525]

Apple Card statements are issued on the first of the calendar month.

A few days later, I go into the Wallet to schedule the payment, set Pay Later as a later day in the same month. The default proposed for these payments has always been the full amount. One has to actively reduce that through the spin wheel, to get to partial payment.

During the month, I have an additional charge. The Wallet app indicates my upcoming payment on the right center of the screen, but there is a button "Pay More" where I can boost the upcoming payment to also include the latest charge. Same spin wheel comes up, with the opportunity to roll it clockwise to get more payment on my scheduled day.

But, yeah, did the charge already post, or is just pending on the card?

[NRB525]

---

@Mischa wrote:

Is the $1200 an installment balance where you get charged part of it each month? If that's the case doing a prepayment on it might require doing something different in the app. I haven't done any installments but I'm sure someone else can weigh in. 

---

Good point. I don't see where it enables accelerated payment of installment items. With a low credit limit, this could build to a problem. I tried going to the keypad to type in a payment ( I have several small installments going on ) and it won't let me pay more than the current month installments plus latest posted charges this month.

[Mischa]

---

@NRB525 wrote:

---

@Mischa wrote:

Is the $1200 an installment balance where you get charged part of it each month? If that's the case doing a prepayment on it might require doing something different in the app. I haven't done any installments but I'm sure someone else can weigh in. 

---

Good point. I don't see where it enables accelerated payment of installment items. With a low credit limit, this could build to a problem. I tried going to the keypad to type in a payment ( I have several small installments going on ) and it won't let me pay more than the current month installments plus latest posted charges this month.

---

I've definitely heard of people paying off installment balances early so there's got to be a way to do it. I've actually been debating on putting an iMac purchase in the next few months on either my Apple or Best Buy so I'm interested to see the response here. Could try the message feature in the Wallet if needed, I guess. 

[imaximous]

To pay more than the monthly due or pay off your balance, you need to go into any installment purchase and then tap "Pay Early."

From there, you select how much you'd like to pay.

[imastarboy]

---

@NRB525 wrote:

---

@Mischa wrote:

Is the $1200 an installment balance where you get charged part of it each month? If that's the case doing a prepayment on it might require doing something different in the app. I haven't done any installments but I'm sure someone else can weigh in. 

---

Good point. I don't see where it enables accelerated payment of installment items. With a low credit limit, this could build to a problem. I tried going to the keypad to type in a payment ( I have several small installments going on ) and it won't let me pay more than the current month installments plus latest posted charges this month.

---

Your revolving balance must be paid off in order to apply early payments to installments. Otherwise, the monthly installment payment is added to the to your transaction history at the end of each cycle. If you bought made a $1,200 purchase with the installment plan that $1,200 is subtracted from you SL but the monthly charges only appear when they come due.

[creditguy86]

Thanks for the responses guys i'll look into the info