Why was Apple Trade-In refund split between credit card and Apple Account?

View the information here for what to expect when paying partially with a Credit Card and Gift Card.

• When you pay in part or in full with Apple Gift Card or Apple Account balance, your credit will be applied to that gift card or balance (up to the amount paid with each) before any credit is applied to your credit/debit card.

Apple Trade In - Education - Apple (SA)

That appears to be exactly how yours was processed. When split between a Credit Card and Gift Card, the trade-in value is first applied to a Gift Card up to the amount paid with that method, and the remainder applied to the Credit Card. That should answer the "Why" question, whether you like it or not is a different matter.

Trade-In_Refund_but_Why wrote:

Why was Apple Trade-In Refund Split Between Credit Card and Apple Account?

My final trade-in value was $110. Why was only $90 refunded to my credit card and the remaining $20 credited to my Apple Account? Also, how can I have the $20 refunded to my credit card instead?

I understand the refund was split because I originally paid $579 by credit card and $20 with an Apple gift card. However, if the $110 trade-in value is being refunded proportionally based on the original payment methods, shouldn’t $106.33 go back to my credit card and $3.67 to my Apple Account? Why did I receive $90 and $20 instead?

$579 credit card + $20 Apple gift card = $599 total.

Credit card: $579 ÷ $599 = 96.66% → $110 × 96.66% = • $106.33

Gift card: $20 ÷ $599 = 3.34% → $110 × 3.34% = • $3.67

This is a user to user only forum. We aren't Apple and we couldn't possibly know why the credit was split in any way. You'll need to contact Apple directly for help. If you're in the US, you can call Apple at: 800-MY-APPLE

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Contact Apple Support - Apple Support

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For other locations, look here -

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Sorry for the frustration, but posting here won't be seen by Apple. As mentioned, this is a user to user only forum, which Apple neither participates nor reads for user feedback.

You can provide feedback to Apple where someone from Apple will actually read it --> Product Feedback - Apple

I live in the US and can reach Apple by phone during normal business hours anytime I need to speak with them. Where in the world do you live?

I did contact Apple first. I got no useful information and couldn’t reach a live person by phone. I’ve always viewed Apple as a beacon of reason and great design, but this feels like corporate bureaucracy getting in the way of a good customer experience. That’s exactly why I posted. Things don’t change unless people speak up. And there are multiple other community posts discussing this same issue, so clearly I’m not the only one frustrated by it.

But at this point, I guess it is what it is. Thank you for your response.

@lobsterghost1 & @Kurtosis12 & @SravanKrA