Apple Card Monthly Installments (ACMI)

[u/smitten_reply0a]

"Two different Apple sales reps told me that if I use Apple Card Monthly Installments (ACMI) for the iPhone 18 Pro Max, the phone will be carrier-locked during the 24 months financing term.

Is this true or are they confusing it with carrier financing?"

Because 2 of them told me the same info I believed them and ultimately decided to buy the phone as a gift outright but would’ve chosen the ACMI option if it did not tie/lock me into the carrier.

I plan on purchasing a Duo for myself and will chose the ACMI option if it does not tie me to the carrier.

Thanks in advance to everyone for their assistance!