FYI -
I preordered an iPhone 12 Pro Max, directly from Apple (ATT). Device received midafternoon, on 13th November.
Silly of me, I did not choose the zero percent interest option, when using my Apple Card. First time using said card, for such a large amount. Spoke with the Golden Sacks support, and they are working on changing it to zero percent. The process needs to be approved, and it could take up to a month. Another solution, is to merely return the device to Apple, and 'start over'.
I have the $1350 (including Apple Care), to pay if off; as I was going to anyway. My thought process changed along the way, thinking, best to keep cash on hand, and simply use the zero percent option.
TLDR:
With me having till 8th January 2021, to return the iPhone 12 Pro Max, I wiped the device today and commenced the return process.
Now that I am back on my iPhone 11 Pro Max, one can clearly notice a difference in the two devices. And, that's from both using the device, and the look/feel of the screen.