I pre-ordered the iPhone 13 PM Graphite 256GB; it is set to arrive on 09/24. I did the "get ready for preorder" on the web on Wednesday. I set it for 24/mo no interest on Apple Card (not the IPU). Apple immediately authorized the cost of the iPhone and AppleCare+ and listed it on my Apple Card as an installment plan. They did a separate authorization for taxes. They said if I deleted the transaction or didn't complete the preorder by 09/20 they would release the hold on my Apple Card account. I accessed the store via the app around 4:55 AM (PDT) today and it let me in to complete the pre-order around 5:04 AM (PDT). When I went back in today all I had to do was review and confirm. I didn't do the IPU because I have never kept an iPhone less than 2 years and I pass my old phone to my wife and her phone goes to another member of her family (currently an iPhone 8 Plus). She will be getting my iPhone 11 PM 256GB. If I offer to buy her a new phone she says she prefers just taking my old phone and saving the money. So, it works out well for everyone.