My 12th payment on my 12P was due on 9/22. I paid it early and that posted on 9/02. For the past couple of days, my current 12P loan page has this 👇. I did get an e-mail saying I had an upcoming payment, but nothing showed up today on my Applecard - and as I've said, I've had this on hold sign for a couple of days. My new 13PM loan is also attached to my log-in. that shows my next payment (for IUP) as 10/17, since my 1st payment will charge on "Shipment".
Citizens One probably didn't have time to fully process your 12th payment you made on pre-order so the auto-charge kicked in. I'm sure you could get that refunded. BTW - you should get a PDF of your payment history. The minute my loan went "on hold" all of my payment history on their site disappeared. I do have all my AppleCard transactions, so I'm not too worried about records.
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