Other Apple Upgrade Program Pre-approval

[Mlrollin91]

This is my question as well. Our current iPhones are on the iUP plan. I wonder if we'll get an email allowing for easy upgrade like we did last year?

The 3% back 24 mo payments on the Apple Card looks far more attractive!

You can enroll with the IUP on the Apple Card. Thats what I did with the iPhone 11 Pro last year. You don't get the entire 3% up front, but you still get the 3% overall with each paymentl. Plus you don't lose the available credit on your card if you are on the IUP with Citizens One. I financed my MBP on my AppleCard and lost 2k on available credit.

 

[Nikhil72]

It looks like both Apple Care users and IUP users will be able to be preapproved this year. From the press release:

• “Customers in the US choosing to pay with Apple Card Monthly Installments or joining or upgrading through the iPhone Upgrade Program can use the Apple Store app on their iPhone to get ready for iPhone 12 Pro pre-order until 9 p.m. PDT on Thursday, October 15. From Tuesday, November 3, customers can get ready for iPhone 12 Pro Max pre-order until 9 p.m. PST on Thursday, November 5.”

 

[BigMcGuire]

You can enroll with the IUP on the Apple Card. Thats what I did with the iPhone 11 Pro last year. You don't get the entire 3% up front, but you still get the 3% overall with each paymentl. Plus you don't lose the available credit on your card if you are on the IUP with Citizens One. I financed my MBP on my AppleCard and lost 2k on available credit.

Yeah very good point.

I'm going to stay on the iUP if I can.

 

[anthonymoody]

No love to upgrade to the mini?

 

[lsh]

You can still use your Apple Card and get 3% back with the upgrade program.

I couldn’t use my Apple Card to pay Citizens One for the IUP phone monthly charges last year. I was told it wasn’t supported.
Is anyone using their Apple Card to pay their monthly IUP charge?

I did get my Apple Card AFTER I got the phone, so perhaps the problem was there was no way to exchange my payment for the Apple Card.

 

[lsh]

I just posted on another thread but does anyone know if I can payoff my current phone that is on IUP so I can keep it and then use the IUP to purchase a new phone? If so, how do I pay it off?

Yes, call Citizen’s One. But you can also pay it off AFTER you get your new phone so that you just don’t send the old one back. That way keeps you in the IUP program versus re-enroll with the new phone.

 

[lsh]

With the one month delay, I guess we’ll be paying +1 month IUP payments for the Pro Max.
But the real problem is if next year is normal and we are ahead a month - so under the 12 months. I hope they don’t expect us to pay an extra month then.

 

[Mlrollin91]

Yeah very good point.

I'm going to stay on the iUP if I can.

Thats my plan as well. I will use the IUP until they don't offer it anymore!

 

[slippery-pete]

With the one month delay, I guess we’ll be paying +1 month IUP payments for the Pro Max.
But the real problem is if next year is normal and we are ahead a month - so under the 12 months. I hope they don’t expect us to pay an extra month then.

You’ll pay the extra month. I had to pay the extra month when I went X to 11 Pro Max last year.

 

[4sallypat]

I couldn’t use my Apple Card to pay Citizens One for the IUP phone monthly charges last year. I was told it wasn’t supported.
Is anyone using their Apple Card to pay their monthly IUP charge?
.....

I don't have IUP - I have the traditional 24 month finance thru Citizen's One Loan.

Yes, I have been using the Apple Card MC to pay the the monthly Citizen's One loan @ 0% interest for the past year.

I got 3% Apple Cash each month...

I then called them to pay off the remaining amount (1 year worth of payments) and Citizen's One Loan charged the remaining balance on the Apple Card and got 3% off that chunk.

Now I am going to trade her in thru Apple Card, get $350 off my iPhone 11 that I just paid off and start an iPhone 12 for $15/month.....

 

[jlsm511]

Looks like Pre-Approvals are live.

 

[KoToNaS]

Was in program since iPhone 11 Pro. Just finished pre approval. Another HP on report. Awesome... Equifax

 

[brettinlj]

• Through Apple’s iPhone Upgrade Program, customers in the US can get iPhone 12 Pro and iPhone 12 Pro Max with the protection of AppleCare+, choose their carrier (no multiyear service contract required), and have the opportunity to upgrade to a new iPhone every year. The iPhone Upgrade Program is available for iPhone 12 Pro and iPhone 12 Pro Max at apple.com and Apple Store locations in the US with monthly payments starting at $49.91.
• Customers in the US choosing to pay with Apple Card Monthly Installments or joining or upgrading through the iPhone Upgrade Program can use the Apple Store app on their iPhone to get ready for iPhone 12 Pro pre-order until 9 p.m. PDT on Thursday, October 15. From Tuesday, November 3, customers can get ready for iPhone 12 Pro Max pre-order until 9 p.m. PST on Thursday, November 5.

So based on this, the program is not available for the iPhone 12 (non Pro)?

I have a paid off XS Max through the program so I am technically not enrolled. It sounds like I won’t be able to get the phone I want and if I want to use the program at all, those who haven’t paid off their phone can get one before me.

Serves me right for being in this program for 4 years and waiting 2 years between upgrades. No love for loyalists from Apple I guess.

 

[VenusianSky]

This is my first time using the upgrade program that I enrolled in last October with my iPhone 11. I went through the pre-approval. So how does this work? When I receive the new phone, I send back my iPhone 11 or take it to the store? Then from there on, I just continue to pay the monthly payment with the contract being reset to two years?

 

[NotApplicable]

This is my first time using the upgrade program that I enrolled in last October with my iPhone 11. I went through the pre-approval. So how does this work? When I receive the new phone, I send back my iPhone 11 or take it to the store? Then from there on, I just continue to pay the monthly payment with the contract being reset to two years?

You send it in after you get the new phone. It basically works as a whole new loan, and the old loan is closed out once they receive the old phone/verify it's in working order.

 

[gkn1999]

Thanks all! Got my pre-approval in for a 12 pro in blue !

 

[hungryteresa]

This is my first time using the upgrade program that I enrolled in last October with my iPhone 11. I went through the pre-approval. So how does this work? When I receive the new phone, I send back my iPhone 11 or take it to the store? Then from there on, I just continue to pay the monthly payment with the contract being reset to two years?

Apple will send you a box to send your old iPhone back. You might actually get the box next week right before your new iPhone 12 arrives.

I just completed my pre-approval! Considering the current state of the US, this is something I can look forward to even though the new iPhone 12 Pro isn't that exciting. Everything was leaked before the actual event! I guess no more "surprises" with Apple.

 

[Mlrollin91]

I couldn’t use my Apple Card to pay Citizens One for the IUP phone monthly charges last year. I was told it wasn’t supported.
Is anyone using their Apple Card to pay their monthly IUP charge?

I did get my Apple Card AFTER I got the phone, so perhaps the problem was there was no way to exchange my payment for the Apple Card.

Yes. I've been using my Apple Card on the IUP since last year. I got my Apple Card just before getting the 11Pro. And even though I used it as a card number and not Apple Pay, I still get 3% on each payment.

It also just let me use it on my pre-approval.

 

[STOCK411]

Weird. It seems like it will let you get pre approved for the iPhone pro max?

I thought the pro max wasn’t live yet?

 

[PatrickBoland]

Anyone gone through the preapproval process for the iPhone 12 Pro. If you did, do you mind telling me if they hard pulled your credit?

I’m currently in the process of closing on a mortgage, really nervous that they’re gonna hard pull my credit. I’m currently already enrolled in the program and they didn’t pull my credit in the previous year. Still a little nervous for it.

 

[Alexrat1996]

No love for the pro max model I clicked on it says getting ready eligible for 12 or 12 pro

 

[Mlrollin91]

Anyone gone through the preapproval process for the iPhone 12 Pro. If you did, do you mind telling me if they hard pulled your credit?

I’m currently in the process of closing on a mortgage, really nervous that they’re gonna hard pull my credit. I’m currently already enrolled in the program and they didn’t pull my credit in the previous year. Still a little nervous for it.

I've been on the IUP since the 6s, so 5 years now? I only ever had a pull on the first one. I just went through the process and don't see anything as of yet, but I don't think it would show up that quickly.

Edit: Looks like I have a pull on Equifax. First time I've had a pull from Citizens since Sept 2015.

 

[KoToNaS]

Anyone gone through the preapproval process for the iPhone 12 Pro. If you did, do you mind telling me if they hard pulled your credit?

I’m currently in the process of closing on a mortgage, really nervous that they’re gonna hard pull my credit. I’m currently already enrolled in the program and they didn’t pull my credit in the previous year. Still a little nervous for it.

Was in program since iPhone 11 Pro. Just finished pre approval for upgrade from iPhone 11 Pro to 12 pro. Another HP on report. Equifax

 

[UltimateSyn]

Anyone gone through the preapproval process for the iPhone 12 Pro. If you did, do you mind telling me if they hard pulled your credit?

I’m currently in the process of closing on a mortgage, really nervous that they’re gonna hard pull my credit. I’m currently already enrolled in the program and they didn’t pull my credit in the previous year. Still a little nervous for it.

Lol. Exact same situation here. I had a discussion about it with some other users and they said that once you are in the program they only do soft pulls, not hard. This is assuming that all of your payments for the program have always cleared. That lines up with our experience from last year. They do 'reserve the right' to do a hard pull though, which still worries me even if it seems to be highly unlikely.

Was in program since iPhone 11 Pro. Just finished pre approval for upgrade from iPhone 11 Pro to 12 pro. Another HP on report. Equifax

Oh no. Guess I spoke too soon or they are changing policies up this year. Not good for us mortgage folks. Guess I'll be waiting for the Pro Max by a force of my hand. Have any of your payments for the program ever not cleared? Did your credit score (that they would've seen on the soft pull) drop drastically over the past year?

 

[PatrickBoland]

Lol. Exact same situation here. I had a discussion about it with some other users and they said that once you are in the program they only do soft pulls, not hard. This is assuming that all of your payments for the program have always cleared. That lines up with our experience from last year. They do 'reserve the right' to do a hard pull though, which still worries me even if it seems to be highly unlikely.


Oh no. Guess I spoke too soon or they are changing policies up this year. Not good for us mortgage folks. Guess I'll be waiting for the Pro Max by a force of my hand. Have any of your payments for the program ever not cleared? Did your credit score (that they would've seen on the soft pull) drop drastically over the past year?

oh my. I’ve heard various different testimonies and experiences. It seems like it boiled down to they’ll pull your credit if they feel like it... I’ve been through the program since the first time they introduced it and upgrade every year, and never received an additional hard pull. But I want to be as safe as possible.

I wonder if it’s worth freezing my credit and then going through the process just in case. Since existing creditors can still soft pull your credit under that circumstance.