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.
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.