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arc66616
User level: Level 1 (8 points)

Combining Apple gift cards and Apple Card Monthly Installments for iPhone 18 Pro Max

I have Apple gift cards that I can apply toward the iPhone 18 Pro Max, and online I may use up to 8 cards. I realize I cannot use an ACMI plan if I choose a gift card. Should I call GS to convert the remaining balance to ACMI, or should purchase it in-store?

Posted on Sep 20, 2026 7:30 AM

4 replies

Jeff Donald
User level: Level 9 (64,078 points)

Sep 20, 2026 9:25 AM in response to arc66616

I believe it can be done in-store at an Apple Retail Store. The cards are used to pay down the total and the balance is financed via ACMI. This was working about 6 months ago.


There are reports Goldman Sachs is being more restrictive about converting sales to ACMI. The conversion of balances has always a courtesy extend to cardholders and not an official policy. You may want to discuss ACMI exceptions with an Apple Card Specialist at Goldman Sachs Bank.


CONTACTING — Goldman Sachs Bank 



  • Write to: Goldman Sachs Bank, Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112.



arc66616 Author
User level: Level 1 (8 points)

Nov 5, 2026 2:53 PM in response to Jeff Donald

Hello, just an update. My iPhone duo purchase was successful and charges was already posted so I called Goldman Sachs customer service representative and it was an easy process. They already converted it to Apple Card monthly installments for 24 months. It was a success.

Jeff Donald
User level: Level 9 (64,078 points)

Sep 20, 2026 10:17 AM in response to arc66616

Hi, thank you. The worst thing that happens is it doesn’t work. When your talking with the Apple Sales Specialist explain what you want to do. My understanding is gift cards are deducted first and then balance gets put on ACMI. The specialist may have experience with these split transactions using ACMI. The worst thing that happens is the transaction is cancelled and funds returned to cards.



arc66616 Author
User level: Level 1 (8 points)

Sep 20, 2026 10:03 AM in response to Jeff Donald

Thank you for the highly informative reply. One additional question: do you know whether it remains possible to call 1-800-MY-APPLE to buy or apply gift cards as a down payment and request ACMI, as Google suggests?

Originally posted at discussions.apple.com/thread/256361246