Apple Card Financing with low credit limit

[ApplelD]

So a $250 credit limit is obviously not good enough for the Apple Card financing when the even cheapest iPhone would still cost more if bought at Apple. Is there a workaround to this? An example would be trading in an iPhone to lower the price but is splitting payment in person at the Apple Store an option? So as an example, iPhone XR costs $599 but the $250 credit limit won’t cover it, so is it possible to ask the Apple Store employee to split payment so the difference is covered in cash/debit? Then $250 worth of the installments are paid over time? Does that work?

 

[ZipZap]

You probably should not have let it be known that you only got a $250 limit.

 

[Apple_Robert]

You probably should not have let it be known that you only got a $250 limit.

No way to know who he is. He is safe stating his limit.

 

[bigjnyc]

I think I read somewhere that in order to qualify for the interest free financing you have to put the entire purchase price of the phone on your card. This is because of the way they evenly split the payments over a 24 month period..... People who don't have enough credit limit to cover the phone are out of luck unfortunately.

 

[Böhme417]

You probably should not have let it be known that you only got a $250 limit.

I didn't even know they issued cards with limits that low. I've seen those secured cards with limits of $500 or $1000. It's interesting seeing how some people get approved with such low limits and others are on here complaining of not getting approved with stellar credit and history.

 

[compwiz1202]

I didn't even know they issued cards with limits that low. I've seen those secured cards with limits of $500 or $1000. It's interesting seeing how some people get approved with such low limits and other are on here complaining of not getting approved with stellar credit and history.

The other thing I see that makes no sense is the people who get approved for some insanely high APR for a Mastercard vs the higher credit people who get flat out declined.