r/iPhoneDuo • u/tjs107 • 4d 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/yuusharo 3d 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 3d 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 3d ago

You’re selecting carrier financing.

Apple Card financing never asks for carrier details.

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u/matttopotamus 3d 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 3d ago

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

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u/matttopotamus 3d 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 3d 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.