I recently read a thread about someone saying that they could not put money down on their purchase to reduce your monthly installment payment......I can confirm this is false. I purchased my 2022 iPad Pro M2 with 512GB and 12.9" screen. When I went to check out from the person helping me at the Apple Store, she asked if I wanted to put any money down. I put a few hundred down and reduced my monthly payment from the $116.xx to $80.xx. You can indeed put money down to reduce your payment using your AppleCard.