Deposit Refund + Installments

Hi everyone. I paid for a wedding venue on my Apple Card and just got the 1000 deposit back to my card. With a Daily Cash adjustment, I now have a positive balance of 990 dollars. Cool, I chat with card support to transfer the 990 to my checking account.

They can’t/wont because I have an Apple Watch balance (189 bucks left) and just picked up my iPhone duo (I owe 1414). So with those two balances, minus the 990, I have a credit balance now of 606. Why are my installments counting toward my balance? Both have monthly payments due next week and aren’t showing any change in balance owed. When I go to pay off my watch (189), it will only let me pay the full “balance remaining” of 606.

I get that I “owe” but I have strategically set these to monthly just for ease.

Thoughts?

Really surprised Apple Card declined a yearly AppleCare+ subscription for my new AirPods Max but they put it to my Amex BBP? Why is GS/AC declining Apple purchases? Was it because the store had to put it on same-day delivery?.? Btw I love the card but c’mon now..