[skipkey]

So I can kind of understand where the confusion comes from. I used this to buy my wife and I MacBooks last year. When I started the checkout flow I didn’t initially realize I was just applying for an Apple Card, rather than just being a loan with a fixed payment. I could see people that don’t understand how zero interest offers interact with revolving credit accounts might not have understood.

But the UI is pretty clear when you make a payment, if you drop the amount under the recommended payment how much interest it’s going to cost you.

[dylan604]

I surprised with Apple switching from their loan plans to open credit accounts. The loan plans were setup like student loans where the debt could not be wiped out with bankruptcy where open credit can.