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![]() ![]() An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time. ![]() You’ll need to select AT&T, T‑Mobile, or Verizon as your carrier when you check out. Taxes and shipping on ACMI purchases are subject to the variable APR, not 0% APR. If you buy an ACMI eligible product by choosing to pay in full with Apple Card (instead of using ACMI), that purchase is subject to the Apple Card variable APR, not 0% APR. Existing cardholders: See your Customer Agreement for applicable rates and fee. Cardholders who accept an Apple Card on and/or after August 10, 2023: Variable APRs for Apple Card, other than ACMI, range from 19.24% to 29.49% based on creditworthiness. APR ranges may vary based on when you accepted an Apple Card. See /kb/HT211204 for more information about eligible products. for eligible Apple products purchased at Apple Store locations,, the Apple Store app, or by calling 1‑800‑MY‑APPLE, and is subject to credit approval and credit limit. To improve your experience I would highly recommend updating your phone to the latest iOS version.Apple Card Monthly Installments (ACMI) is a 0% APR payment option that is only available if you select it at checkout in the U.S. That way we use the latest technology and we ensure the best security as well (the older the iOS version, the easiest it is to exploit vulnerabilities). Personally it does not affect me that much as I’m developing for in house apps where we force our employees to update the phone they were given. So I wonder why you would not upgrade to enable the developer using the latest APIs ? Because of people like you we have to write a lot of *) code and many “if ios15 then… else if iOS 14…” which is a huge source of bugs. Many new features are introduced with each new release that make both my life easier as a developer but also your experience better with less bugs. As an iOS developer I enjoy the new features of Swift (language used to code apps) and particularly the new UI system introduced in 2019: SwiftUI. I’m interested in knowing why you don’t update. I'm still looking for a good reason to update from iOS 14. ![]()
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