How can I update my iPhone 12 Pro Max?
how can I update if my iPhone 12 Pro max says I'm up to date at 14.7?
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Most likely you had the iOS 14 beta, which was never update past 14.7; it even missed 14.7.1. To remedy this go to Settings/General/Profiles, tap on the beta profile and remove it. Your phone will restart; when it finishes restarting you should be able to update to 14.8.