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iPhone 12 Pro Apple Card monthly payments and Apple Care

oneteam

oneteam

macrumors 6502a
Original poster
Jun 21, 2008
594
1,287
Cincinnati, USA
This is the first time I go with Apple Card monthly installments for the iPhone pro Max. I’m planning on paying off within a few months, way before one year as I upgrade yearly. I noticed that Apple Care is charged for 24 months added to the monthly installments. Since I upgrade every year, what happens to the reminder of the apple care that i paid for 2 years? Do I get a refund when i trade in or sell my 12 pro Max next year?
 
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Curious as well. I would think you would get refunded or a portion would carry over or be credited if you get Apple care on the next new device.
 
Are you sure you had to buy the Apple Care or did you voluntarily add it to your order ?

AppleCare is only required if you do the subscription based IUP program administered by Citizen's One Loan.
 
4sallypat said:
Are you sure you had to buy the Apple Care or did you voluntarily add it to your order ?

AppleCare is only required if you do the subscription based IUP program administered by Citizen's One Loan.
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You don’t have to. I voluntarily bought it but it’s charged for 24 months
 
oneteam said:
You don’t have to. I voluntarily bought it but it’s charged for 24 months
Click to expand...
Got it, I was thinking the same - I did the 24 months on the Apple Card but decided against the AppleCare since I trade in or sell my iPhones every year - what's the point of paying for another year when I end up selling it ??

Since I don't damage phones or abuse them, my phones stay pristine for at least a year or 2 so I will rely on the manufacturer's warranty for the first year.

Maybe you would get better resale value to have AppleCare on the phone to the next buyer ????

I do end up paying off the phone before the end of 1 year - I did this from the 11 launch last year where I had financed it for 24 months thru Citizen's One Loan....
 
They have Apple care monthly for this situation! So you can cancel at anytime. Once you get 2 years it stays with it, or you move it to another phone! (I think) lol
 
Renho said:
They have Apple care monthly for this situation! So you can cancel at anytime. Once you get 2 years it stays with it, or you move it to another phone! (I think) lol
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Apple care monthly is not available when paying installments with Apple Card
 
Cancel it anytime, hence it’s monthly. It isn’t 2 years flat that you’re financing in monthly payments.
it’s a subscription type model, where it’s paid monthly. Cancel whenever you want.
 
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lexikon318 said:
Pretty sure it is. Just went through checkout and it allowed me to do Apple care monthly with the Apple Card installment plan.
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It’s not monthly Apple Care. It is the 2 years rate payable on monthly installments
 

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Ah, you added Applecare to the installment plan. You could have waited until you got the phone, and added Applecare separately and pay for it monthly. I bought the 12 PM without Applecare and planning on adding it once I get the phone.

Apple will most likely give you a refund if you trade it in with them.
 
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So folks that are subscribed to the IUP (iPhone upgrade program) they are forced to buy AppleCare+ - so every year, if they opt to get a new phone, they are basically giving Apple a year's worth of AppleCare to them ?
 
4sallypat said:
So folks that are subscribed to the IUP (iPhone upgrade program) they are forced to buy AppleCare+ - so every year, if they opt to get a new phone, they are basically giving Apple a year's worth of AppleCare to them ?
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The total cost of the loan includes the phone plus Apple Care, which is then divided over 24 months of payments. After 12 months of payments you can upgrade by trading in the phone, which stops the payments and closes out the loan. So at that point you're not paying beyond half the cost of the phone and half the cost (one year) of Apple Care.
 
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PieTunes said:
The total cost of the loan includes the phone plus Apple Care, which is then divided over 24 months of payments. After 12 months of payments you can upgrade by trading in the phone, which stops the payments and closes out the loan. So at that point you're not paying beyond half the cost of the phone and half the cost (one year) of Apple Care.
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That makes sense - thanks for clarifying - I never enrolled in IUP.
I like to own my phones and resell or trade it in.....
 
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oneteam said:
It’s not monthly Apple Care. It is the 2 years rate payable on monthly installments
Click to expand...

Ah okay. Got it figured out. The 12 I have is on the Apple Card plan... I didn’t get Apple Care right off the bat but I can now add the monthly one that can be cancelled.

f9c0497a69dd6d7ce13c8ab3f357c184.jpg
 
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If you call Apple they will refund the portion you didn't use. You cannot transfer Apple Care to a new phone.
 
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oneteam said:
You don’t have to. I voluntarily bought it but it’s charged for 24 months
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I had to cancel because I had to return an iPhone to Apple. Once you contact agreement administration, you will be refunded the prorated amount plus tax. However you will be charged the remaining monthly payments.
 
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You can then use the refund to pay the remaining monthly payments.
 
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