iPhone X Upgrading just because you're on a 1 year iPhone upgrade plan?

[newyorksole]

AppleCare+ is part of the monthly payments, so you can’t get a refund of it, I thought. I know in the early days of the Apple Upgrade Plan, you had to pay it up front, and then they offered a refund on it if you upgraded early? At least, this is what I remember years ago. Now, it’s part of the monthly payment plan. Someone correct me if I’m wrong please.

You can get a refund on AppleCare if you’re on the iPhone Upgrade Program. Instead of trading my iPhone X in, I sold it privately for $750 and AppleCare refunded me $110. I used that $860 to pay off the $650 balance (with profit leftover) and started a new iPhone Upgrade Program for the XS Max.

AppleCare has always been part of the iUP.

If I were to do a regular upgrade / trade-in then the balance would be paid off and the receipt would show an “AppleCare refund” but it’s just me not being responsible for the remainder of the payments since I’m trading my phone into Apple.

 

[lsutigerfan1976]

How do I get the refund? I just paid off an old 8 plus that was on IUP. So how do I get a refund for the AppleCare?

 

[mrklaw]

Is anyone else upgrading just because they're eligible to upgrade after a year of installment payments either through their carrier or Apple? There's nothing in the new phones that I'm dying for. Love the gold color, but was possibly considering upgrading just because I can and it wouldn't cost anything. Why are you guys upgrading if you are?

That seems a bad reason to upgrade (although I can understand it lowering the barrier to upgrading).

If you upgrade, your monthly payments stay the same but you hand your phone back. If you can hang on with your terrible iPhone X/8 for another year, you can still upgrade to the iPhone XI with the same payments, but now you get to keep your current phone which will still be very usable. Sell for a few hundred dollars or pass on to a member of the family

Upgrading every two years is clearly still a financially better option, but obviously they’ve made the upgrade program so convenience makes it attractive to upgrade more often

 

[ApplePersonFreak]

As explained multiple times in this thread it does cost to upgrade.
1) You’re paying sales tax on the new device.
2)Depending on Carrier you’re paying a $30-40 upgrade fee.
3) If you waited an extra year to sell the phone once you own it you would make about $400 (give or take $100).

So upgrading now is costing you at least $400-500.

I’m eligible to upgrade but I’m just not because I don’t want another $30-40 added to my plan, and I prefer to pay outright but this time it’s not warranted to upgrade.

 

[mrklaw]

I'm really torn on what to do. Entered the IUP last year with the X. I really don't see anything in the Xs that is pushing me to upgrade and my battery is at 100% of original.

Meanwhile my son has a 6 and a crappy battery.

So options are:
1. Get a Xs via IUP and keep chugging along for $49/month; spend $29 on a new battery for his 6
2. Pay out the X over 12 months hand it to him and get the next revision

Any thoughts/suggestions?

Option 2. Also get the battery now to help him along this year.

 

[MsRandall]

For me I was not planning on upgrading but when I bought my sons XS Max and went into VZ yesterday to trade in his 7 plus for $310 they offered me the $700 off a new line ($29.xx credit) whereas I was paying $68.10 for my X vs $30 for a XS including the $20 smartphone month access fees

Selling my x and using the new line as my sons iPad that was paid off last month and old line can be cancelled

 

[mac.cali]

Only you can make that determination for yourself based on your needs & situation. For me, I knew I was going to upgrade every year and I absolutely hated having to find a buyer for my old phone every year hoping I'd get enough back. Most of the time I didn't get what I wanted and it took a lot of my personal time that I just didn't want to spend on such tasks. So I opted for iUP. I love it. And you can request for 50% of the Apple Care to be refunded to you once you've returned the old phone.

How can you request 50% refund? I thought once you returned the phone the loan is cancels out?

 

[dstew201]

Yes! Based on my case (simple exchange attempt), they had to close the loan, and reapply!! which I wasn't aware of and took a hit on my credit report with a hard inquiry!!!