iPhone 15 Pro Max iPhone Citzen one loan

[Alexrat1996]

Hello everyone, this will be my third phone on the iPhone upgrade program I did two returns last month and one purchase final this last Sunday it won’t deny me next year right ?

Citzen one told me every 30 days they do credit check.

 

[Apple_Tiger]

Yes they do a credit check again after 30 days if you apply again.

 

[Alexrat1996]

Yes they do a credit check again after 30 days if you apply again.

They wouldn’t check the last new loan I did last Sunday it hasn’t been 30’days from either one.?

 

[DcGamer05]

I’m curious do they hard pull your credit report with an inquiry every year you upgrade ? Or only the first time? Curious in case I ever decide to use Apple

 

[Apple_Tiger]

I’m curious do they hard pull your credit report with an inquiry every year you upgrade ? Or only the first time? Curious in case I ever decide to use Apple

If you are upgrading from a current iUP, it's just a soft pull (at least in the US). If you are enrolling as a new, then it's a hard pull.

They wouldn’t check the last new loan I did last Sunday it hasn’t been 30’days from either one.?

It's 30 days when you first applied, so even if you returned it closed it out and reapplyed that still counts as 1. if you found a defect and returned it, and reapply for another loan, that still counts under 1. So really it's 30 days from the first hard pull that you incur when you apply.