WOW, I feel sorry for everyone having problems with their Apple Card. I did the Pre order on Tuesday, at that time there was a hold placed on my Apple Card for $92.04 which is the tax. At 5 am pacific time I went to place order but I had to keep returning since they were not ready. at 5:01 I processed everything through my Apple Card, It went right through. Got my confirmation email at 5:02. My confirmation shows Verizon of course is charging me the $35.00 upgrade fee but otherwise everything went totally fine. I wonder if from some that they still owed payments on a previous phone. My 11Pro Max was originally processed through Citizen One but was paid off over a month ago. I am just assuming that this time it is not going through Citizen One but through the Apple Card itself like my last Ipad was. It just states Apple Card Monthly Installments 24 months, 0% APR