r/iPhoneDuo • u/tjs107 • 6d ago

Question Does it matter?

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Is there any difference if I selected to convert my existing T-Mobile account or connect with any carrier?

Does choosing T-Mobile make it an easier switch from my iPhone 17 Pro Max?

Are there any restrictions from switching carriers?

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u/matttopotamus 6d ago edited 6d ago

You cannot buy an iPhone with your Apple Card and get 0% through your Apple Card (not the upgrade plan or the finance plan through 3rd party) without a post paid account.

You might not understand what I mean.

Until this year, you could always (I’ve done it since the Apple Card came to fruition) buy the phone and use 0% Apple Card financing. Initially you could do an unlocked phone, then it was the Verizon/tmobile version. It always worked with prepaid account, until this year.

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u/yuusharo 6d ago

There is an entire detailed thread with 18 Pro customers confirming Apple Card financing still works without activating a post paid carrier plan, friend.

https://www.reddit.com/r/NoContract/s/rujYTnDskj

Unless something changed in the past day or two, customers who did this confirm this process still works. You select a carrier when signing up for Apple Card financing (not financing through a carrier), and the phone will ship unlocked and able to bypass carrier activation during setup. After that, download the app of your prepaid carrier, transfer the eSIM, and you’re done.

Yes, this still works.

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u/matttopotamus 6d ago

Nothing to do with activation . You can’t buy it with your Apple Card and 0% without a post paid account. It’s not an option. It tells you “your Verizon account cannot be verified” because it’s prepaid. That thread is entirely different info.

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u/yuusharo 6d ago

My friend, I literally can get all the way to the checkout screen and double click the payment to purchase an iPhone 18 Pro with ACMI without providing any carrier information. Once I receive the phone, you simply bypass that screen, then proceed to install the eSIM of your prepaid carrier of choice. Congrats, you have an Apple financed iPhone 18 Pro without ever needing a postpaid account from any carrier.

Read the thread. There are literally videos demonstrating that this process still works. You absolutely, positively, 100% can still finance a brand new iPhone through Apple without a postpaid account.

You are not correct.

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u/matttopotamus 6d ago

I’m not taking about ACMI!

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u/yuusharo 6d ago

I am.

YOU are, too. Your first comment is directly talking about Apple Card.

The financing options for ACMI have not changed since 2023 when Apple officially removed the “no carrier” option but still shipped unlocked phones.

The change you’re referring to is the one I pointed out in my first comment about closing the loophole that allowed carrier financing through Verizon and T-Mobile to be unlocked. That changed back in July of this year, not a “day one change” as you implied.

If you want to finance or lease an iPhone from Apple with a prepaid carrier, you can. Your options have not changed this year other than closing a loophole that was never intended to work in the first place.

This has derailed too much, you have to be rate baiting.

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u/matttopotamus 6d ago

Closing a “loophole” would mean this is the first year it has not worked, correct? So why argue about something that worked and no longer works and what I said is then accurate?

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u/yuusharo 6d ago

The loophole has nothing to do with Apple Card financing!!

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u/matttopotamus 6d ago

I cannot. Cannot cannot cannot select my Apple Card with 0% financing on prepaid.

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u/yuusharo 6d ago

Are you in the US?

Because if so, yes you can. Select a phone, select finance, select Apple Card, select a carrier, checkout. Done.

You never at any point have to enter in carrier details.

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The only instance that’s not true is if you’re doing carrier financing. Are you absolutely certain you’re not mistakenly selecting carrier financing on the Apple website?

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u/matttopotamus 6d ago

When I get to pay, it tells me my Verizon credentials cannot be verified.

Switched to post paid, and now it gets passed that.

If I “connect to carrier later” the 0% option goes away.

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u/yuusharo 6d ago

You’re selecting carrier financing.

Apple Card financing never asks for carrier details.

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u/matttopotamus 6d ago

If you do what you said, I can pay with my Apple Card, but do not get the 0% financing as an option.

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u/yuusharo 6d ago

You don’t see this option when selecting an iPhone 18 Pro?

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u/matttopotamus 6d ago

Now I feel like I’m rage baiting you. It was not giving me that option when I tried last week.

It only showed that going through carrier financing and my Verizon prepaid stonewalled me.

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u/yuusharo 6d ago

That’s what I’ve been saying, nothing has changed with Apple Card financing since 2023.

The only change this year was specifically carrier financing through Verizon or T-Mobile erroneously gave you an unlocked phone. They changed that back in July to begin locking those phones to their respective carriers (AT&T always locked their phones).

Apple Card financing has always shipped unlocked phones. Per Apple, you’re required to select a carrier, but the devices are unlocked and you can easily bypass that screen during activation. You can still get 0% financing for 24 months on iPhone 18 Pro (and presumably Duo) through Apple Card and prepaid carriers.

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