I'm not US resident, just coming next week for my birthday ) Wish we had Apple cards here..This was a big reason for me getting the Apple Card, so that I could just do the monthly installments. This happened every year without fail at my credit union.
My bank it's a bit too careful... it's either payment with 3ds secure and in app approval when you place the order, or transaction declined if the payment comes later. Then you have to mark the transaction as safe and wait until the next trial.