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You can, but that is a hassle.
And good luck trying to get any of the three of them cancel your plan. The carriers are all pretty crooked and hungry for 3x the costs of an MVNO. It just shows that power and money corrupt badly. Look at Apple and see the same thing. Tim sells his soul all the time for more money from Apple. At $100m per year in free stock, he works even more deals to get himself money from China. It’s like when is it enough money, Tim? How about do what’s right for customers as they’re a stakeholder too!
 
This is infuriatingly stupid. I always buy the unlocked iPhones through Apple, since Apple is literally the only place you can buy unlocked iPhones. There's zero incentive to use my Apple Card to do this when I can use my Best Buy card to connect to my carrier with a 36 month plan. Unless I want to pre-pre-order the iPhone from Apple's website, I guess.
 
This is infuriatingly stupid. I always buy the unlocked iPhones through Apple, since Apple is literally the only place you can buy unlocked iPhones. There's zero incentive to use my Apple Card to do this when I can use my Best Buy card to connect to my carrier with a 36 month plan. Unless I want to pre-pre-order the iPhone from Apple's website, I guess.

Costco
 
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Tim Crook or whatever Tim Kook has really tarnished Steve Jobs legacy

Steve Jobs' "legacy" included forcing/pushing iPhone buyers to specifically use AT&T (in the U.S.) on a 2 year contract. How is removing the Apple Card SIM-free phone 0% finance option worse than that? Apple didn't even have an Apple Card/iPhone financing option under Jobs.
 
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They have no payment plans and a very small variety of options to choose from. So no. Not Costco.

Interesting there was Quite a selection here of unlocked 14 pro maxes with Apple care selling fitness than buying at the store . There may or may not have been other choices, I was only paying attention to the PM’s.
 
Thanks, I just did, though I doubt it will do much.
I've messaged him twice in the past and both times someone reached back out to me to help resolve my issues. Also had a friend reach out to Mr Cook last year about an issue she was having with her brand new iPhone and our local Apple Store Manager reached out to her the next day to resolve the issue. You may not hear directly back from Tim but they do take emails very seriously.
 
Lock you in? How are you prevented from paying off the phone, getting it unlocked, and switching to wherever?
It doesn’t behoove anyone to be locked into a contract then buy themselves out of it. That isn’t how contracts are set up. The person who agrees to the terms loses the benefits of the contract. And some carriers refuse to unlock even paid off devices. So if you sign for two years, usually you get a discounted iPhone or more money on your trade than it’s worth. That’s how it works. When the carrier has to get out that means they work in that the buyer pays back their gains even though they paid 3x or 4x for their service. Been through the whole Verizon, T-Mobile, and AT&T scams. Now I would never deal with their BS. Used to be at least Verizon sold you an unlocked iPhone.

So if you want the up front benefits, be prepared to pay 3x for your monthly service and deal with a locked iPhone forever. That’s the reality of it. Fine for those who don’t travel or have a second SIM from work they want to put on the same iPhone.
 
It doesn’t behoove anyone to be locked into a contract then buy themselves out of it. That isn’t how contracts are set up. The person who agrees to the terms loses the benefits of the contract. And some carriers refuse to unlock even paid off devices. So if you sign for two years, usually you get a discounted iPhone or more money on your trade than it’s worth. That’s how it works. When the carrier has to get out that means they work in that the buyer pays back their gains even though they paid 3x or 4x for their service. Been through the whole Verizon, T-Mobile, and AT&T scams. Now I would never deal with their BS. Used to be at least Verizon sold you an unlocked iPhone.

So if you want the up front benefits, be prepared to pay 3x for your monthly service and deal with a locked iPhone forever. That’s the reality of it. Fine for those who don’t travel or have a second SIM from work they want to put on the same iPhone.
Prior to the smartphone revolution I dealt with Verizon, Sprint, Nexus, AT&T. I got turned off by the crazy billing that gave me a headache just trying to figure it out. A little over ten years ago I went the prepaid route and never looked back. Currently Mint Mobile has worked great in my area and i’ve been with them the last 4 years. I can’t beat the $15 per month plan. I also prefer an unlocked phone as I don’t trust the carrier to unlock it once it’s paid off.

Currently the only company who will finance their unlocked phones at 0% interest is Google. I have never owned an iPhone but wanted to buy one this year but I will have to reconsider that. Xfinity Mobile usually has deals where they offer 24 month, 0% finance and they say they will unlock the phone after 24 months. I might look into that with the iPhone 15 PM.
 
This is very disappointing. Feels like they are TRYING to get people to Buy Now, Pay Later to satisfy an agenda. Shame since BNPL is just a predatory practice in general on consumers.
 
Terrible advice. Closing a credit card lowers your credit score. Opening a new credit card… lowers your credit score. Stability, on time payments, and average age of credit increases it. Don’t listen to this guy, do not go open and close cards left and right.

Kind of. Closing a credit card can lower your credit score because it shortens your "credit age", a medium impact component of your credit score (average age of each credit account). It's fine to pay your loans off and close the accounts, but in general terms, you should keep your revolving accounts open, even with a zero balance - it continues to increase your "credit age".

Getting a new card can lower your score by generating an inquiry on your credit report. Hard inquiries are low impact components of your credit score, but if you have a high number of inquiries on your credit report, it makes you look desperate for credit, which is interpreted by lenders as a negative.

However, adding another credit card to your credit report can actually help your score, especially if you don't run the balance up... it can lower your credit card usage number, which is a high impact component of your credit score (the ratio of max credit limit against actual revolving balances) ... ideally, that credit card usage should be at or below 10% of your aggregate max limit... above 30% is typically a serious red flag for lenders.

As with most things in life, YMMV. But the original advice to close the Apple Card and get a new one will negatively affect your credit card.
 
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Steve Jobs' "legacy" included forcing/pushing iPhone buyers to specifically use AT&T (in the U.S.) on a 2 year contract. How is removing the Apple Card SIM-free phone 0% finance option worse than that? Apple didn't even have an Apple Card/iPhone financing option under Jobs.

More correctly, Jobs' legacy involved strong-arming ATT to support the original iPhone... VZW, Sprint and T-Mo told him to "pound sand"... ATT bent over and said "please, sir, I want some more".
 
Agree wholeheartedly....

Why cancel the Apple Card, with no annual fee, you can use it at your leisure, buy apple products and get a rebate.

I carry no balances... I did at one time over the years, but after a divorce where my ex dug me into a $70K hole, I'm a little shell shocked and pay them all off monthly... I have over $300K available on cards, several with annual fees but I am diligent about taking advantage of the perks so while I pay $695 annually for my Amex, the perks more than make up for that and more.
 
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It doesn’t behoove anyone to be locked into a contract then buy themselves out of it. That isn’t how contracts are set up.

Lol. Tell us you’ve never financed something without saying so.

Lenders protect themselves. If it’s a carrier, the phone is locked until paid off.

Not sure what you’ve done wrong, but I’ve never had any issue getting a paid off phone unlocked quickly and efficiently.
 
Lol. Tell us you’ve never financed something without saying so.

Lenders protect themselves. If it’s a carrier, the phone is locked until paid off.

Not sure what you’ve done wrong, but I’ve never had any issue getting a paid off phone unlocked quickly and efficiently.
If you want to deal with hassles and waste money paying 3x to a “carrier” that’s all on you. Hope you’re old enough to have a pension or social security as otherwise seems like corporate shareholders have your retirement in their stock.

As an AAPL shareholder, thank you!

I run an investment company out of Asia, and I will say the wealthy love the absolute wastefulness of all the people who pay money to companies where shareholders reap all of the financial benefits.
 
I started an “Apple Savings Account” which is an account setup just for buying Apple products. I have $40 transferred to it every paycheck. This is my own way of doing 0% financing.
I’m putting $300 a month so I’ll have enough for a phone and an updated iPad Air/Pro when they are updated.
 
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More correctly, Jobs' legacy involved strong-arming ATT to support the original iPhone... VZW, Sprint and T-Mo told him to "pound sand"... ATT bent over and said "please, sir, I want some more".

Regardless of who may have "strong armed" who more between Apple and AT&T, it was iPhone customers that were forced/pushed into 2 year AT&T contracts which was a lot more limiting than what some are criticizing Apple/Cook today for simply no longer offering Apple Card 0% financing on SIM-free phones.
 
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Regardless of who may have "strong armed" who more between Apple and AT&T, it was iPhone customers that were forced/pushed into 2 year AT&T contracts which was a lot more limiting than what some are criticizing Apple/Cook today for simply no longer offering Apple Card 0% financing on SIM-free phones.
And when both VZW and T-Mo offered the iPhone, they also required a 2-year contract for the discounted iPhone...

At the end of the day, it's not a big deal to me whether or not Apple offers interest-free financing on SIM-free iPhone. I would prefer to use their money (Apple/GS) to finance it, but I save way more than the $1200 that I pay for the phone on an annual basis... Financing interest rates are up and savings interest rates are down due to the current state of the economy and run-away inflation. Something had to give, and it's always the consumer that gets the short end of the stick.
 
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And when both VZW and T-Mo offered the iPhone, they also required a 2-year contract for the discounted iPhone...

At the end of the day, it's not a big deal to me whether or not Apple offers interest-free financing on SIM-free iPhone. I would prefer to use their money (Apple/GS) to finance it, but I save way more than the $1200 that I pay for the phone on an annual basis... Financing interest rates are up and savings interest rates are down due to the current state of the economy and run-away inflation. Something had to give, and it's always the consumer that gets the short end of the stick.

I had been specifically referring to the early days of the iPhone when people were forced/pushed to use AT&T with 2 year contracts. Verizon didn't officially start selling the iPhone until 2011 and T-Mobile didn't start until 2013. By then, the 2 year contracts were optional.

Compared to those early days (when Jobs was CEO), iPhone customers today (with Cook as CEO) have far more purchase, carrier, contract, financing, etc. options and flexibility even with the recent discontinuation of the Apple Card 0% SIM-free phone offer. Given that, I feel some of the criticisms of Cook/Apple have been excessively harsh.
 
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