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Thinking of using my Apple Card…at least get the 3%.

However. I am curious about the ATT carrier deal…could trade in my iPhone 12 Pro but always bought my phones directly from apple…feel like dealing with ATT is a pain. Any reason I should reconsider.
 
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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)?
 
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)?
With T-Mobile you need to be Magnata Max to get $1000 though - right?
 
The only thing I don’t like about launch day for the iPhone is the shipping. Carriers and Apple either use UPS or FedEx. I often get stuck with FedEx and they’re always a day or the weekend late and I never seem to get my iPhone on time with FedEx handling the shipping. My 13 promax was supposed to arrive on launch day, that Friday of last year but it got delayed over the weekend and I didn’t get it until Monday. So I might just go to my local AT&T store and order it through there and have it shipped to their facility and I’ll just go pick it up maybe I don’t know? either that I’ll hang onto mine 13 promax for a little while longer because I really am only wanting to upgrade to the 14 promax because of the camera, that’s pretty much the only reason.
 
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.
Not a fan of the fact that Citizens One does hard credit pulls even in subsequent years.
 
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.
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.
 
Looking at them, I want a Pro iPhone, I do like the newer design. So despite my objections to the price increase, I won’t buy a max as I was planning and I don’t think it’s weight of nearly a quarter of a kilogram is not very good. I’ll get the 14 Pro, probably not till next year and by then it’ll be £50 cheaper. I have an iPhone XR so an upgrade is due and my battery is dying anyway.
 
I pay no more than $25 a month for phone service so in about two years I can afford to pay full price for a phone with what I save by not paying the typical ~$70 per month for a phone plan. I also wait 3-4 years to upgrade.
 
I'm gonna buy mine from Apple and then sell my mint 13 Pro Max on Craigslist. That's if I can't get a buddy to buy it.
 
Not a fan of the fact that Citizens One does hard credit pulls even in subsequent years.
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.
 
I've only ever paid full price. Carrier mobility is important for me as deals pop up regularly.

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.
 
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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.
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.
 
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It sounds like some folks don’t need this phone
from a financial point of view .
Can you afford it?
 
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.
 
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.

It’s effectively a contract unless you just want to give your phone away. Plus higher plan prices vs an MVNO ensures they make that money back easily.
 
I always buy unlocked, in-full, directly from Apple. I cannot be bothered to keep track of some program, and I will not be locked into commitments via carrier subsidies. Sometimes I trade in my previous device, sometimes I pass them along to family. This time, I’m trading it. That gets me a half price 14Pro Max.
 
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?
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.
 
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.

It's amazing what marketing can do, making people think they get "free money." Don't shop around, stick with us, pay more, and you get "free money." LOL.
 
What is the best way to trade in my iPhone 12 and pay the difference for the iPhone 14 Pro? It seems like if I pre-order online, the trade in process for my iPhone 12 will result in Apple just sending me a gift card with the trade in value? I would rather just have my trade in value applied at the time of purchase of the iPhone 14 Pro.
 
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