Just go into the cell phone provider store, select a plan like At&t Next, done. If you can't pass the credit check to have a cell phone account, well no point then. Every provider has this, so don't see your point at all.
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Other Subsidy prices or just $0 down? Apple and carriers would do BETTER!
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Just go into the cell phone provider store, select a plan like At&t Next, done. If you can't pass the credit check to have a cell phone account, well no point then. Every provider has this, so don't see your point at all.
I have to agree with the others and if you can not get financed for a iPhone, you likely should not be buying one.
Wanting is one thing but if you are ever going to get ahead it will not be by buying something on credit because you can not afford it.
Wanting is one thing but if you are ever going to get ahead it will not be by buying something on credit because you can not afford it.
So basically Apple is for rich people right? It's now become a high-end luxury brand. Hey if you can't afford it then FORGET YOU!
If it's too expensive you look at other options, just as is the case with petty much anything in life.
Apple has always positioned itself as a luxury. This isn't news. Have you seen how much they charge for....well anything?
why should people be able to finance anything when they have a poor credit history? that's the point of credit. to echo what everyone else has said, if your credit is so bad (or non existent) then you don't deserve the luxury of financing a $1,000 phone when there are PLENTY of other options on market. smart phones are a luxury not a necessity. people have lived many many years without. A CEO saying they want everyone to have access doesn't mean at the expense of the company. What they mean is everyone who can AFFORD to have one lol. Apple is a business not a charity
We're talking about a phone...or if you ask most people on here: a super computer. Carriers and Apple themselves should not have a credit based merit to get a....phone. I'll repeat myself: anyone should have the right to go in, pay tax, a small fee and walk out with a phone. Be it a susidy price at $99, $199, $299 plus tax or some type of "entry fee". And by entry fee I don't mean paying some obnoxious stuoid fee of $800 down. Let people have access to a..... phone. If they don't pay it then let it get "repossessed" (blacklisted).
Based on the thinking in this thread people with poor credit should all be driving rusted out old cars from the 1980s because they "can't afford a new car." and therefore aren worthy of a new vehicle even if they have an adequate job despite of past credit issues There shouldn't be a credit system if you ask me. If you can make payments on something and you have a job then it should be yours.
I don't have good credit due to past mistakes when I was younger and also insane medical bills I still to this day would not be able to afford. Not everyone has tens of thousands of dollars to pay at one time I guess. Guess it's my fault right? Don't get sick, right? Right. Anyways, regardless of my credit I could easily make payments of $40 or $50 on a phone per month now with my current job but due to my old pesky credit I would have to literally pay almost all of the iPhone price plus tax etc. I confirmed this with T-Mobile. So I'm stuck with a mid-range Android phone.
Based on the thinking in this thread people with poor credit should all be driving rusted out old cars from the 1980s because they "can't afford a new car." and therefore aren worthy of a new vehicle even if they have an adequate job despite of past credit issues There shouldn't be a credit system if you ask me. If you can make payments on something and you have a job then it should be yours.
I don't have good credit due to past mistakes when I was younger and also insane medical bills I still to this day would not be able to afford. Not everyone has tens of thousands of dollars to pay at one time I guess. Guess it's my fault right? Don't get sick, right? Right. Anyways, regardless of my credit I could easily make payments of $40 or $50 on a phone per month now with my current job but due to my old pesky credit I would have to literally pay almost all of the iPhone price plus tax etc. I confirmed this with T-Mobile. So I'm stuck with a mid-range Android phone.
President Obama changed the rules that medical bills are separated and no longer affect credit history (i think)
I'm not sure if you fully understand the purpose of a credit report.
if someone needs a "phone" they can go to their local welfare office and get one for free. there are plenty of government programs that offer usable android smartphones for free and with free service including data.
having luxury items are a PRIVILEGE not a right.
why should a company accommodate someone with a payment plan who has a history of...waaaaait for it.... NOT PAYING THEIR BILLS?
make that make sense
I'm actually curious to know WHY you feel as though someone with poor credit deserves to be afforded the same financial privileges as someone who's maintained a desirable financial record?
there are plenty of devices for different budgets. you feel you deserve the best because why?
Oh I get it just fine. I understand. I'm just saying in my opinion having bad credit shouldn't disqualify a person from having decent items. In my last point I'm trying to say this: if a person has bad credit due to past mistakes years and years but now has a great job and their life is back on track...should that person have to pay a higher fee just because they messed up in their past? I'm not saying that with a great new job they couldn't afford the higher fee but it's the principle of the whole issue. Three numbers shouldn't be a deciding factor in whether I obtain something. My current job should be the determining factor. That's my point. If I messed up in the past...the past I remind you..then it should not haunt me for the rest of my life and it shouldn't determine whether I can get the phone I want. Yes it's a want rather than a need. I'll admit that. I'd like to have an iPhone XS but three little numbers are holding me back from qualifying for any of these little programs that offer $0 down.
Bad credit decisions don't haunt you for the rest of your life. Negative marks are only allowed to be on a credit report for 7yrs (from the original mark or last payment) after which you are legally entitled to have it removed.
i bet if you took the time, work and effort to get your credit in good shape you wouldn't appreciate ANY business offering someone with bad credit and you the same agreement terms
I'd like to add in reference to your government phone suggestion: I don't want to depend on the government for a phone. I don't want to have some controlled phone with set minutes and whatever. I want freedom to do whatever I want, not what the government tells me to do. And to add to your point further: I can plug in a landline in my apartment and make calls and use a roladex to keep my numbers but I don't choose to do that. We live in an era where it's darn near important to use a smartphone. I use mine for traveling, gps, business, music, grocery shopping deals to save money, scan my phone to save money at the grocery stores, work, school, everything. I'm using it now. I want a reliable phone. I don't want to be stuck with some low quality handset when something more reliable like an iPhone XS is available to me.
LOL
"I don't want to be stuck with some low quality handset when something more reliable like an iPhone XS is available to me"
why do you feel so entitled? that's like someone who drives a Ford Focus saying they think they deserve a Porsche because they want a sports car and want to be able to accelerate faster on the freeway
You don't need an iPhone to do the things you mentioned.
Also, government phones are usually unlimited talk and text with tiered data and you can usually upgrade it from the free service if you need to.
This is the way the United States works. Work hard for the things you want. I don't know if your parents ever told you this like my father did me, but no one owes you a goddamn thing.
Having a great job is....great. Doesn't have anything to do with credit worthiness. There's plenty of multi millionaires with poor credit. Michael Jackson and Aretha Franklin were prime examples.
When you've worked for something you will appreciate it. You don't deserve financing for an iPhone Xs. Not right now anyway.
And wait --- doesn't T-Mobile have a thing where if you pay on time every month for 1yr they guarantee you the best financing available on a new device?
Actually I would appreciate it. I worked in car sales for a brief period of time and I witnessed people who, due to credit, couldn't get even a basic car in some cases. Not a luxury car but a "point a to b" car. Yes first I would be disappointed that I lost a sale but then I paid more attention to people's stories and actually started feeling bad for people who couldn't get into vehicles. I saw people's reports. They had repos or "short sales" on their homes from years back. I would ask what happened sometimes. They had lost their job, couldn't make the car payment or mortgage and it hit their credit. So I do feel bad for people who struggle and make attempts to better themselves. I turned down people and they continued to either walk or take the bus to work because the system failed them. If T-Mobile or whoever suddenly had a deal where anyone and everyone could get a phone regardless of credit then I'd say that's awesome and it's nice to see people have some nice newer phones and not use barely usable tech. I wouldn't mind it at all honestly.
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Who are you anyway to tell me what I can and cannot be financed for? And you stoop so low as to curse? real classy bro. Smh
There is no such thing as subsidy... get that into your heads. the final price after two years is still the same [with the additional cost in carrier usage charges plus the actual phone price rrp]
You're right I don't need an iPhone to do the things I listed but in the past I found them to be less of a headache to use. My 4S was excellent (back in the day of course 2011). Now I miss the iPhone quality. Call it first world problems but I constantly have lagging and freezing issues with my mid range devices, gps signal issues and overall poor quality. Now that you set me straight and sure told me I'm not entitled to stuff then man I will take your word. You win.
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No. I paid $99 for my iPhone 4S and the bill was consistently the same each month.
That's not really a subsidy then, your bills over 24 months summed up equaled the price of the actual phone plus carrier uses. what you only been through is a financing scheme [split payment over 24 periods]
a subsidy would be more like buy 2 phones get 25% off the combined plan bills of the two phones over 2 years. that's a subsidy.
i wasn't cursing at you i was using it in an expression.
i understand that people have bad things that happen to them but EVERYONE has a story.
when you have certain circumstances you need to shop according to those circumstances. you can buy an A to B car for $2k or less sometimes. Just because someone wants nice stuff doesn't mean they deserve it.
and I'm only re stating what you've already disclosed.... TMobile doesn't think you're credit worthy
There are things of that nature even today where special cheaper deals are offered in the form of a discount or something like that.
The easiest thing to do would be to purchase the phone outright. I do not see the purchase of a smartphone, that has to be financed, as a priority.
For some. There are others (especially on family plans) that are worse off since subsidized phones went away.
Credit is your A, period. You need it to finance a home, car, get electricity, cable/satellite, hell even employers do credit checks now so bad credit can affect your employment opportunities. If you are a bad credit person, buy used, eBay is your friend. I’m sure an X can be had now for a decent price on the used market. You want new then buy it out right. I’d never finance a phone, rent it, or otherwise. I’d like a GT3 or GT4 in my garage now and I can’t afford either, so I play and drive what I can afford.
This is where you lost me.
Your argument is flawed because you are using the premise that people with good paying jobs pay their bills. People with good jobs can have terrible credit.
Credit doesn’t care about what you make, it’s about your history of being a responsible buyer and paying for your purchases. There is more risk lending to someone who has a history of not being able to pay their bills. There’s nothing more to it than that.
I’m sorry you have had things in your past that have hurt that, but from the point of view of the people selling their phones, it totally makes sense.
Under the old subsidy model, I believe I paid $299 for my 6s on Sprint's network. Just before the 6s came out, there were rumors Sprint was going to do away with their subsidies, so I opted to upgrade when my 5s was really still a great phone. Sprint did remove their subsidies, and the cost of my plan never went down. Fast forward to when the X came out. On Apple's app, I was able to order an iPhone X 64GB for $599 with a two-year agreement with Sprint. This was available nowhere else to my knowledge; just the Apple Store app. Not on Sprint's website or anything. The cost of my phone bill has not gone up since purchasing the X.
The no subsidy model has not done anything for me in my situation. I didn't lower my bill. However, I've been lucky in that it hasn't affected me because I've found a way to get a subsidy the last two times when I wasn't really anticipating upgrading my phone.
In my opinion, the removal of subsidies has increased the amount of time between upgrades for most people. In the past, once those two years was up, your bill didn't go down any, so why not renew your agreement and get another phone? Now, after the payment period ends, people are seeing their bills go down, so it makes sense people would wait longer.
The no subsidy model has not done anything for me in my situation. I didn't lower my bill. However, I've been lucky in that it hasn't affected me because I've found a way to get a subsidy the last two times when I wasn't really anticipating upgrading my phone.
In my opinion, the removal of subsidies has increased the amount of time between upgrades for most people. In the past, once those two years was up, your bill didn't go down any, so why not renew your agreement and get another phone? Now, after the payment period ends, people are seeing their bills go down, so it makes sense people would wait longer.
I'm sorry but you sound like a just turned 19 year old that doesn't understand how credit works. The whole point of a credit check is to literally see your creditworthiness. Apple is not a charity company. They are doing just fine financially without having to give away their phones. Sorry you made credit mistakes but that's the pill you're gonna have to swallow. It's your mistake, not Apple's.