I had this exact issue in an iPhone 12 Pro but never found time to figure out if I was affected by the “Non Credit Check” issue because my lover bear pays that bill. I can say that updating my iPhone to the 15.0.2 beta software today 10/24/2021 fixed the issue fully for me. Probably some collaborative work that went in from both parties to solve it if this fix stays permanent. Good Problem Management. Bad PR. ):
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