I’m more worried about having to do an extra payment next year if they go back to Oct.
Hmm on verizon. I had the same problem. But I’m worried it will think I’m upgrading the account phone. Although I guess maybe Verizon can straighten it out???
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Other Apple Upgrade Program Pre-approval
- Thread starter gkn1999
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Hmm on verizon. I had the same problem. But I’m worried it will think I’m upgrading the account phone. Although I guess maybe Verizon can straighten it out???
I ended up doing iUP without trade in, and locked in a quote for 391 (!) cash for my XS 256GB unlocked from decluttr. Interestingly after I got my quote I went back to the site and the quote estimate has dropped by $50. I guess I got in right in the knick of time?
I've had the program since day 1 and haven't been hard pulled since the beginning. There's gotta be some rational to it, but who knows what it is.
Before the Apple Card came out, you can also do a finance at 0% thru Citizen's One Loan for 24 months without AC+.
Before that, I used BarclayCard's Apple Rewards which sadly has gone away....
I just finished early payoff so that I can trade her in for the 12.
It’s completely useless where I live because you’ve got to go to an Apple Store to collect the phone. It’s currently illegal to do this unless you live very locally.
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How did it get resolved? I’m experiencing the same and am not having any luck with support.
I had to escalate. I ended up emailing Tim Cook directly. Once it was assigned to “Executive Team” it got moving.
My next payment (same as most on the IUP) will go out of my account on the 22nd of October. So, if I upgrade to an iPhone 12 on the 23rd, will that payment then get refunded when I sign up for the new plan?
If you pre-order this friday, they typically will put a "Hold" on your citizen so they shouldn't charge you. If they did, they will typically refund you.
Yep. I know someone who has had this happen too. They just went with a sim-free iPhone and will add it to their account manually when they get it.
Interesting. I did my pre-approval yesterday (ended up waiting for the Pro Max) and I did not receive a hard inquiry. They love me over at Citizens..
I'm 99% sure that I haven't had a hard pull from Citizens since the very first year the iUP was introduced. I've been on it every year since the first year, and I watch my credit VERY closely.
Yeah, same here, I definitely haven't had a hard pull during subsequent upgrades. A lot of people were saying that they were getting upgrade pulls this year, though.
Actually, I don't believe I had a hard pull even upon initial sign-up. I have a Citizens checking account, so I wonder if that had anything to do with it.
Also no hard pull since the first time I started the program 4 cycles ago.
No hard pull either. I’ve never nor been late on citizens loan. People can check pulls because if you have one credit reporting agency send you an alert. I didn’t get anything from Experian. I also logged on didn’t see any citizen inquiry. I’m good.
I have a MyFICO subscription, so I have an app that tells me every single thing that hits or affects my credit on all three bureaus.