With T-Mobile you need to be Magnata Max to get $1000 though - right?My 13 Pro Max is paid off. Should I trade in with Apple to get $720 off or should I trade in with my carrier (T-Mobile) and get $1,000 off ($705 discount and $294 bill credits)?
Not a fan of the fact that Citizens One does hard credit pulls even in subsequent years.I still don't understand the pay in full/outright decision. IUP is basically a free loan. I rather have the extra money inside my pockets then these companies. I can literally do apple card no interest monthly payments but for what to lower my limit. Nah I do IUP. I mean the majority who pay outright end up getting some type of insurance on it right? Again its the same. As a business owner I love free loans. Very few of those lately honestly.
Only done 1 on me last 3 years.Not a fan of the fact that Citizens One does hard credit pulls even in subsequent years.
Well how can you upgrade yearly unless you buy it out rite as ATT won’t let you unless you do the NEXT UP which again goes back to my post.I am speaking to their trade in credits. If you traded in for credits and wanted to upgrade after a year.
You really lose money on your trade in. Just saying, not a good deal if want to upgrade yearly or change mind.
I was surprised by the hard pull this year as well. I had also had a fraud alert on my credit report so I'm waiting for them to call and verify my identity.Not a fan of the fact that Citizens One does hard credit pulls even in subsequent years.
I've only ever paid full price. Carrier mobility is important for me as deals pop up regularly.
AT&T does not give the instant credit in trade in. So it can take 1-2 years just to get that value back. If not keep at least 2 years than it’s no good. Screw job. These bill credits really should be only 24 months but carriers pushing the limits of what can do to consumers.many carriers offer incentives to switch to pay off balances, not sure why paying "full price" makes sense anymore, when you can get up to $1000 off with trade in bill credits. Verizon gives instant credit for phone trade in value and then bonus credit divided monthly up to 36 months. You can pay off remaining balance at any time if you want to leave the carrier. It is interest free; you would just give up the bonus bill credits.
My conversation is around carriers. Should want us to be loyal customers and not lock us in for 36 months and maybe get more from us.It sounds like some folks don’t need this phone
from a financial point of view .
Can you afford it?
many carriers offer incentives to switch to pay off balances, not sure why paying "full price" makes sense anymore, when you can get up to $1000 off with trade in bill credits. Verizon gives instant credit for phone trade in value and then bonus credit divided monthly up to 36 months. You can pay off remaining balance at any time if you want to leave the carrier. It is interest free; you would just give up the bonus bill credits.
Paid full price for my 13 Pro Max as well. Trading it into Apple for $720 and paying the difference for the 14 Pro Max 256GB.I paid full price for my iPhone 13 pro max so I see no reason that I don’t do the same for my soon to be iPhone 14 pro max. I like to not be tied down to one carrier. Who else?
Personally I'm doing the trade in and $1000 credits from AT&T. I've been with AT&T since the original iPhone and staying for 3 more years really isn't a problem. Seems silly to pay up to $1500 when you can literally get free money... then keep what you were gonna throw at Apple and let it generate interest.