This is what I ended up doing also, although Citizens One still doesn't show the new loan. May not until I actually get the phone. Not that worried about it now. Really had me pissed off at 8 EDT this morning. I chose to do an in store pickup, though because it said I could have it next Friday instead of shipping being as late as mid October.That's what I'm going to do. I'm not sure that loan payments ever garnered the 3% as it is a non- Apple Pay charge to the card by a third party. If anyone knows for sure, please let us know!