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I think its only a hard pull when you first join, then its a "soft" pull for each renew

Edit:


Just called citizens one.... They said it all depends on factors (good standing, no late payments etc)

I applied for the upgrade this AM and they told me it was NOT a hard pull for this year
 
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I called Citizens One last week to make my last payment and they put the payment on my iPhone Upgrade Program loan from two years ago. Took me until today to figure out that little mess. So they refunded me the payment, but now I still owe one month on it and it won’t post by tomorrow before preordering. Hopefully I can make the last payment as I complete the checkout via the Apple Store app.

Citizens One has the worst system for tracking your iPhone details. One of my friends upgraded his wife and himself for the iPhone X. He wanted to post the 12th payment for just his plan and not his wife’s, but they couldn’t distinguish who’s plan was linked to the phones.

I think you’ll be fine for Friday morning’s preorder. I’m pretty sure Apple will take the 12th payment for your iPhone X, 1st month payment for your next iPhone X_, and taxes when you checkout.

If not, then there will be a lot of angry Day 1 iPhone X customers. It takes 24-48 hours for credit card payments to post and 24 hours for bank draft payments to post.
 
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How do I justify this **** to my partner? Can someone make a fake Apple site showing a lower msrp please, I’m not ready for her interrogation.

I got you.

Just don’t get the 512gb option if you want to stay out of the interrogation room ;)

3EAC7F5B-CC18-4D83-9102-778F7ACB5E94.jpeg
 
Can someone tell me why I should stick with the Apple Upgrade program? Been in it for the last two phones. I don’t love the idea of paying $800 up front for a phone but also don’t like the notion of renting. Makes me want to bail and wait for a carrier promo of buy one get one free. Other than including (and paying for) AppleCare and getting a new phone every year, what are the advantages? Buying a new phone every year and selling the old one at 30% off isn’t a horrible plan...
 
How do I justify this **** to my partner? Can someone make a fake Apple site showing a lower msrp please, I’m not ready for her interrogation.

Around here when it's "give Apple money to buy new Apple product(s)" vs. "significant other gatekeeper," the feedback is always the same: get rid of that gatekeeper.

Sure the latter might keep you warm at night but this new thing does what your existing thing does upwards of .22 milliseconds faster. Why is there even any resistance? .22 milliseconds man!

All ;)
 
Can anyone tell me if I’m on the Verizon upgrade program can I do this or is this purely for iPhone upgrade users? I tried calling Verizon and they said I cannot pay early until I upgrade which my assumption will be at pre order.
I'm getting the vibe that you can only pay it off when purchasing through Verizon. That's fine for me, cause I planned on doing Verizon payments whether it be from the Apple Store or Verizon. My lines still get the $25 line discount for each phone payment, perks of not switching to unlimited I guess.
 
Can someone tell me why I should stick with the Apple Upgrade program? Been in it for the last two phones. I don’t love the idea of paying $800 up front for a phone but also don’t like the notion of renting. Makes me want to bail and wait for a carrier promo of buy one get one free. Other than including (and paying for) AppleCare and getting a new phone every year, what are the advantages? Buying a new phone every year and selling the old one at 30% off isn’t a horrible plan...
Upgrade plan is meant for easy upgrading. If don’t want to upgrade every year then maybe not for you. It is free financing even if don’t upgrade but AppleCare required. Selling the old iPhone is getting harder and harder to get good resale. AUP just another option to choose from.
 
Decades of on time payments perfect history ideal % of credit cards and all balances paid off and FICO scores at the top, no I don’t think my lack of credit or history is my issue, surly I can’t be the only one with this experience.
It’s truly amazing the scope of all the things people humble brag about on Macrumors. Whip em out on the internet. Quite entertaining.
 
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So I was going through pre-approval and the app was asking for birth date, entire social, annual income, etc... didn’t feel like a soft pull scenario, or at least I don’t remember having to provide income amount in the past (Doesn’t mean it didn’t happen). Are these required regardless of whether it ends up as a hard or soft pull?

Been part of iUP since 2015, never had a late payment; I did however change my payment method / credit card I had on file with them a couple months ago. Not sure if they’d view that as cause for a hard pull. (not even sure I recall a hard pull from when I first enrolled in 2015.)
 
It could be a location or a race thing when it comes to these hard pulls vs soft

Banks invest a lot of money into who they are giving money... all types of algorithms
 
So I was going through pre-approval and the app was asking for birth date, entire social, annual income, etc... didn’t feel like a soft pull scenario, or at least I don’t remember having to provide income amount in the past (Doesn’t mean it didn’t happen). Are these required regardless of whether it ends up as a hard or soft pull?

Been part of iUP since 2015, never had a late payment; I did however change my payment method / credit card I had on file with them a couple months ago. Not sure if they’d view that as cause for a hard pull. (not even sure I recall a hard pull from when I first enrolled in 2015.)


The requirements for iUP have literally been the same since 2015 except for the annual income. In January of this year or last year is when they started asking for that.

All of that info is required whether they do a soft or hard pull. In my experience, it’s only a hard pull when it’s a totally new loan and not an upgrade.

I did a totally new loan for my partner on August 31 for an iPhone 8 and am doing a new loan for myself instead of upgrading and it should only be 1 hard pull. Apparently if it’s within 30 days they only do 1 pull.
 
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All it takes is a single surly creditor (say, a hospital) to kick your years of history down the road. Credit scores are extremely fickle things. The best thing is to not have to rely on them at all.

Yet another nice thing about renting. ...actually, I suppose you end up getting inspected even more often when renting.

A nice thing about living in a swamp? There is no freedom from these people.
 
Please change the title to show that it is US only, UK folk like me wasting their time clicking on every section of the app trying to find something that doesn't exist
 
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I'm considering joining the upgrade program but it won't let me. when it gets to the point where I have to enter my phone number and pin or last 4 of social it fails and doesn't give me a useful error. I'm on T-Mobile prepaid, so i'm assuming that is why... can you do the apple upgrade program if you on a prepaid account? If not, is there a way to somehow convert over to the apple upgrade program? FWIW, my current phone is an iPhone X that is unlocked and fully paid for.
 
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