My advice for lower pay out. Call apple to cancel the apple care on that. They'll refund the the citizen loan. Your balance due will go down a bit. Like $100 less.
I would personally go through with the trade in unless the amount I am getting is substantially more than Apple’s offer for my older phone.
Am I missing something? I thought Apple trade-in worked as per: you pay full price for the thing; then you send your old device back - and once they agree it's in the same shape as you said it was, they'll refund that amount (or an agreed lower amount) to you at a later date. So - if you just don't send your old device in, Apple simply has to do nothing - as they've already got the full retail price off you...
you clearly haven't done a trade in with apple.
It says that in my post. I haven’t traded anything in and always purchase my phones outright so have no experience. Glad the matter is resolved and the OP can sit back and sell his phones elsewhere.
do note that at the time you order, they offer you a price but they will not honor that offered price if apple drops trade in values between order and receipt of new phone
