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Splashing the cash this September?


  • Total voters
    741

Azzin

macrumors 603
Jun 23, 2010
5,433
3,742
London, England.
My only pain with the IUP is that it’s a fresh credit agreement every year, and I don’t want to have this very new agreement close to mortgage time
[doublepost=1537696316][/doublepost]

Likewise, though I have 24-26 delivery dates
Credit checks are fine if you have lines of credit open.

People think that it’s a bad thing and may look bad for a mortgage, but actually the opposite applies.

The mortgage provider will check the report and see that you’re a good borrower of money and don’t miss payments.

I had a friend who had finance for a tv (many years ago) turned down, because he had actually paid his mortgage off a while back and didn’t have any debt.
 
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ct2k7

macrumors G3
Aug 29, 2008
8,382
3,439
London
Credit checks are fine if you have lines of credit open.

People think that it’s a bad thing and may look bad for a mortgage, but actually the opposite applies.

The mortgage provider will check the report and see that you’re a good borrower of money and don’t miss payments.

I had a friend who had finance for a tv (many years ago) turned down, because he had actually paid his mortgage off a while back and didn’t have any debt.

One thing I consciously do is use my charge card so that I do have some good credit repayment history. I suppose, though I know some providers dislike new credit lines in the past x months
 

Wezzywebb

macrumors member
Mar 31, 2013
47
33
looks like my Xs is going back, extreme blue tint at anything but head on viewing, and network performance is worse than my X
 

JamesHP

macrumors 6502a
Feb 6, 2010
549
657
Manchester, UK
Anyone else having this come up on the order status checker page? Ordered a cape cod blue leather case for collection today but can't see if it's ready to collect!
 

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Azzin

macrumors 603
Jun 23, 2010
5,433
3,742
London, England.
One thing I consciously do is use my charge card so that I do have some good credit repayment history. I suppose, though I know some providers dislike new credit lines in the past x months
That’s a myth.

Credit providers just like to see all green monthly records on your credit.

Source: my wife works for Experian.
[doublepost=1537698968][/doublepost]So...

I have an 8 Plus, which I love.

I naturally gravitated towards the XS Max, but now I’m leaning back the other way and thinking the XS will be fine, as other than screen real estate, there’s no real benefit to the Max, and I can have the same size screen as I have now, but in a smaller phone.
 
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w_aldo

macrumors regular
Sep 18, 2018
210
206
Stockton-on-Tees, UK
Mobile usage Virgin Mobile £25 unlimited hotspot iPhone 8 Plus (Data usage 25th August till 25th Sep) Coming upto 3tb this month data usage. Average usage each month is 1TB or More. (iPhone 8 last reset is Dec 12th total usage is 9.1TB)
poOwKbENp

iPhone X 3UK UNLIMITED EVERYTHING £14 July tested 3 unlimited binge I used 1171gb hotspot nonstop netflix till my
television blew up. Average usage each month is 200gb-400gb (iPhone X last reset is 12th Dec total usage is 4.2tb)
poSvg2nOp
Further proof Three is awful and needs to do something about this.
 

WhiteWhaleHolyGrail

macrumors 6502a
Nov 14, 2016
620
426
I had not noticed that. Just compared them and yes , the Xs is shiny compared to the 8. You live and learn.

I would say thay anyone buying an XS should consider how the phone will look in your general choice of case. I bought the silver edition primarily because the SS bezels look so elegant showing through Apple's leather cases whilst I found that the SG didn't really add anything to the cases and vice versa. The silver looks killer with the forrest green and black leather cases in particular.

As a side note, the 'white' back on the silver is more off-white 'enamel' looking than pure optical white which is just so beautiful and luxurious. Very much recommended!
 
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Jinjin

macrumors G3
Original poster
Mar 22, 2011
8,332
13,269
London, UK.
So even though the Bromley store have no Max size phones they did luckily have stock kept aside for returns etc. Had to go through some of the IUP stuff again (though no additional credit checks) and walked out with a pristine (double checked) max.

They had stock of Xs models no max for new purchases. Only watches they had were gold aluminium with pink sports band.
 

ct2k7

macrumors G3
Aug 29, 2008
8,382
3,439
London
That’s a myth.

Credit providers just like to see all green monthly records on your credit.

Source: my wife works for Experian.
[doublepost=1537698968][/doublepost]So...

I have an 8 Plus, which I love.

I naturally gravitated towards the XS Max, but now I’m leaning back the other way and thinking the XS will be fine, as other than screen real estate, there’s no real benefit to the Max, and I can have the same size screen as I have now, but in a smaller phone.

Credit providers see more than that, they can default information, and utilisation data of credit. I can’t remember too much when I last used Equifax’s API (when I worked for a bank)
 
Last edited:

rain111

macrumors 65816
Sep 19, 2012
1,322
663
UK
Now that I got my iPhone Xs Max & Watch 4 SS on Friday, for me is another waiting time for iPhone XR pre-order to kick start (19th Oct), anyone else also getting the XR?
 
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maka344

macrumors 68020
Nov 4, 2009
2,145
1,316
London, UK
Credit checks are fine if you have lines of credit open.

People think that it’s a bad thing and may look bad for a mortgage, but actually the opposite applies.

The mortgage provider will check the report and see that you’re a good borrower of money and don’t miss payments.

I had a friend who had finance for a tv (many years ago) turned down, because he had actually paid his mortgage off a while back and didn’t have any debt.
Agreed, but the problem comes if you decide to exchange on the iUP (colour, defect or capacity). Each new application is another hard credit search and they close and open new accounts each time - which all show for 6 years.

This happened to be when they first launched the programme, I had to exchange with the Jet Black because of defects out of the box and ended up with 3 hard searches and agreements (2 closed, 1 open). I contacted Barclay's who agreed to have the the close accounts removed!
 
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Sarah Jones 799

Suspended
Sep 11, 2015
147
75
Mobile usage Virgin Mobile £25 unlimited hotspot iPhone 8 Plus (Data usage 25th August till 25th Sep) Coming upto 3tb this month data usage. Average usage each month is 1TB or More. (iPhone 8 last reset is Dec 12th total usage is 9.1TB)
poOwKbENp

iPhone X 3UK UNLIMITED EVERYTHING £14 July tested 3 unlimited binge I used 1171gb hotspot nonstop netflix till my
television blew up. Average usage each month is 200gb-400gb (iPhone X last reset is 12th Dec total usage is 4.2tb)
poSvg2nOp
Lol, hope your not on my local mast.
Getting slow speeds here.
Lost for words 9.1tb since 12 DEC.
And 4.1tb since 12 DEC.
[doublepost=1537701637][/doublepost]
Further proof Three is awful and needs to do something about this.
To be honest virgin mobile and 3uk need to take out unlimited data and replace it with a hard limit like 100gb.
Way to many people abusing the service taking the p***.
 
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Dino F

Suspended
Sep 16, 2010
4,515
3,404
Croydon, South London, UK
Agreed, but the problem comes if you decide to exchange on the iUP (colour, defect or capacity). Each new application is another hard credit search and they close and open new accounts each time - which all show for 6 years.

This happened to be when they first launched the programme, I had to exchange with the Jet Black because of defects out of the box and ended up with 3 hard searches and agreements (2 closed, 1 open). I contacted Barclay's who agreed to have the the close accounts removed!

...surely going in store to swap iPhone colour doesn’t mean another credit check will take place? You’re just changing one colour for another - same device, no?
 

Azzin

macrumors 603
Jun 23, 2010
5,433
3,742
London, England.
Agreed, but the problem comes if you decide to exchange on the iUP (colour, defect or capacity). Each new application is another hard credit search and they close and open new accounts each time - which all show for 6 years.

This happened to be when they first launched the programme, I had to exchange with the Jet Black because of defects out of the box and ended up with 3 hard searches and agreements (2 closed, 1 open). I contacted Barclay's who agreed to have the the close accounts removed!
Defects are not done as a new iUP, they simply swap out the phone.
[doublepost=1537701942][/doublepost]
Lol, hope your not on my local mast.
Getting slow speeds here.
Lost for words 9.1tb since 12 DEC.
And 4.1tb since 12 DEC.
[doublepost=1537701637][/doublepost]
To be honest virgin mobile and 3uk need to take out unlimited data and replace it with a hard limit like 100gb.
Way to many people abusing the service taking the p***.
Or, start charging a premium for those that genuinely “need” those amounts of data.
 

Dino F

Suspended
Sep 16, 2010
4,515
3,404
Croydon, South London, UK
I’m definitely noticing the reduced battery capacity on my XS compared to my previous 8 Plus. Charged my XS last night and now it’s already down to 76%. My 8 Plus would stay in the 90s on its first day....
 

Azzin

macrumors 603
Jun 23, 2010
5,433
3,742
London, England.
I’m definitely noticing the reduced battery capacity on my XS compared to my previous 8 Plus. Charged my XS last night and now it’s already down to 76%. My 8 Plus would stay in the 90s on its first day....
I hadn’t thought about that during my recent leans to an XS, instead of a Max...
 
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maka344

macrumors 68020
Nov 4, 2009
2,145
1,316
London, UK
...surely going in store to swap iPhone colour doesn’t mean another credit check will take place? You’re just changing one colour for another - same device, no?
It actually does because they have to return the device you want to exchange via the iUP process. They tick exchange within the application and it runs another hard search, closes the old application and opens up another one.

This is why Barclay's agreed to remove all entries other than the active account.
[doublepost=1537702674][/doublepost]
Defects are not done as a new iUP, they simply swap out the phone.
[doublepost=1537701942][/doublepost]
Or, start charging a premium for those that genuinely “need” those amounts of data.
They do, but you have to have fill out the iUP on the terminal if you are within 14 days and swapping for a new retail unit.

I did this, and that's what they made me do.
 

Lyrical

macrumors regular
Sep 12, 2012
182
107
Those that are still waiting for phones should just check local stores if possible. I got mine by reserving Saturday morning. Beats waiting for the postman.
 
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