Other iPhone Upgrade Program Trade In Required?

[RootBeerMan]

We're looking to upgrade to the new iPhone XR when it comes out. When I checked with the upgrade program, (we're registered and active from buying our 7's almost 2 years ago) it says we are eligible for an upgrade, but we would need to trade in our current iPhone 7's as part of the upgrade. What I want to know is how to avoid the trade in. In looking at the info on our account it looks like the current loan expires (or is completely paid off) in early December. So, if the loan is completely paid off in December can we upgrade without a trade in, as the phone is paid in full? Or do they require a trade in of the old iPhone regardless? We'd really like to hand these current phones off to our kids to replace their current hand me downs. Thanks!

 

[Shadowbech]

You'll need to pay off the remaining balance in order to keep the phone and start new on the upgrade program. You can contact Citizen One and pay it off.

Edit: Reading below, they are actually correct. I must have misread your post, if you are upgrading in December and your final payment is in December, as long as you paid it, it's yours to keep.

 

[Apple_Robert]

If your phones are paid in full, you don’t need to trade in.

 

[Bballrob]

If you’ve paid in full, you can get new phones without handing in your old phones. Or, if they payoff in December, they may require you to payoff early.

 

[RootBeerMan]

Thanks, folks! That is what I was hoping for. If the wife doesn't want to wait till December, we'll just pay them off at once with Citizens One. Apple's website on the IUP is less than helpful in this regard!

 

[JonnyBravo]

I'm doing the same thing. Currently have an 8+ (paid off 12 months) but will be upgrading to a XS Max.

My understanding is: If you're a currently on the iPhone upgrade program, you can upgrade without having to trade-in your current phone...as long as you've owned the phone for at least 6 months and you've paid the equivalent of 12 payments.

I also think you don't have to payoff the current phone in full. The new upgraded phone will be under a separate loan that can run simultaneously (until you've paid off the first one). You're just basically electing to keep the current phone so citizens won't apply the payoff.

 

[sportsfanMAW]

I'm doing the same thing. Currently have an 8+ (paid off 12 months) but will be upgrading to a XS Max.

My understanding is: If you're a currently on the iPhone upgrade program, you can upgrade without having to trade-in your current phone...as long as you've owned the phone for at least 6 months and you've paid the equivalent of 12 payments.

I also think you don't have to payoff the current phone in full. The new upgraded phone will be under a separate loan that can run simultaneously (until you've paid off the first one). You're just basically electing to keep the current phone so citizens won't apply the payoff.

I have a similar sitatuion and question. I have a X and have 12 months left on it. I plan on upgrading and my dad is interested in my phone and taking over the payments for it (or just paying me each month directly). Can I do this? Or does that new phone have to be upgraded on a different line and then I have to switch SIMs?

Thanks!

 

[Armendegga]

I have a similar sitatuion and question. I have a X and have 12 months left on it. I plan on upgrading and my dad is interested in my phone and taking over the payments for it (or just paying me each month directly). Can I do this? Or does that new phone have to be upgraded on a different line and then I have to switch SIMs?

Thanks!

You can do that. That’s similar to what me and I wife did last year. When we upgraded to the X via IUP, we actually sold our 7 Plus’s locally for more than the remaining balance on the loan. We just ended up with 2 loans until we paid off the iPhone 7 loans.

 

[ssledoux]

I'm doing the same thing. Currently have an 8+ (paid off 12 months) but will be upgrading to a XS Max.

My understanding is: If you're a currently on the iPhone upgrade program, you can upgrade without having to trade-in your current phone...as long as you've owned the phone for at least 6 months and you've paid the equivalent of 12 payments.

I also think you don't have to payoff the current phone in full. The new upgraded phone will be under a separate loan that can run simultaneously (until you've paid off the first one). You're just basically electing to keep the current phone so citizens won't apply the payoff.

Not sure this is correct information. The only way to not have to trade in the phone is if you have made all the payments, OR if you pay off the remaining balance.

You can open a second upgrade plan, but you’ll have to get a different phone number from what I understand, because as long as you still owe on your current phone, you can’t set up another plan under that same phone number.

At least this is what I’ve gathered from reading up on this over the last couple weeks.

 

[Armendegga]

Not sure this is correct information. The only way to not have to trade in the phone is if you have made all the payments, OR if you pay off the remaining balance.

You can open a second upgrade plan, but you’ll have to get a different phone number from what I understand, because as long as you still owe on your current phone, you can’t set up another plan under that same phone number.

At least this is what I’ve gathered from reading up on this over the last couple weeks.

I assure you that you don’t have to trade it in. They pause your first loan while they wait for you to send it in. After 30 days (I think it was), they simply unpause your first loan since you didn’t send the phone back, and you just pay for 2 loans. When you upgrade with IUP, it opens a second loan for the new phone. The whole point of trading in the old phone is to payoff and close the first loan.

 

[Payton34]

That’s the way I interpret it as well.

 

[JonnyBravo]

I assure you that you don’t have to trade it in. They pause your first loan while they wait for you to send it in. After 30 days (I think it was), they simply unpause your first loan since you didn’t send the phone back, and you just pay for 2 loans. When you upgrade with IUP, it opens a second loan for the new phone. The whole point of trading in the old phone is to payoff and close the first loan.

Yup..this is my understanding as well. You'll have two loans at the same time. I plan to transfer my phone number to my new phone. I'll keep the old phone and give it to my mom for her use. We can either continue paying the loan associate to the old phone or pay it off in total.

 

[ssledoux]

Oh ok I get what you’re saying about this. Yeah I did read that. In fact, I have a friend who wants to buy my 8+ so my plan is to pay off that second loan instead of turning in my phone. I guess I just didn’t realize you could keep paying it in installments though.