iPhone 11 Annual upgrade w/new Apple CCard = 2 hard credit pulls?

[dmaxdmax]

This would make sense but I want to make sure I’m not missing anything

 

[jarman92]

As in 1 for the card and 1 for the loan/upgrade program? Definitely, since the card is done through Goldman Sachs and the upgrade is done through Citizen's Bank.

But it doesn't really matter, since FICO treats all "hard" pulls within (I think) 45 days as a single pull.

 

[dmaxdmax]

As in 1 for the card and 1 for the loan/upgrade program? Definitely, since the card is done through Goldman Sachs and the upgrade is done through Citizen's Bank.

But it doesn't really matter, since FICO treats all "hard" pulls within (I think) 45 days as a single pull.

I know that multiple pulls for a specific use are treated as a single - 4 mortgage lenders etc - but I don’t know if it applies across categories. 1 mortgage + 1 auto + 1 phone.

 

[danilko1]

Thats why I paid in full... Apple should have a special program, similar to Home Depot, no interest for 24 months on an iPhone purchase with the Apple Card. That would make sense.