iPhone X apple upgrade program question

[A.Jai]

I am trying to ask this question via apple chat support, but they are not letting me through due to high volume so I thought one of you fine people might have the answer:

I currently have an iphone x in the upgrade program, and it is at the end of its 2 year term. I think I have one or two payments left. I would like to pre-order the new 11 and do the upgrade program again, but I am wondering if I will get credited for the value of my X for the additional months I have paid past the 1 year minimum for the upgrade program?

Also, I have a small crack on the back glass. It still is covered by AppleCare until November. If I send it in via the upgrade program will they just fix that and charge me the AppleCare price, or do I have to take it in to get fixed before I upgrade?

Thanks!

 

[wi1dstar]

I am trying to ask this question via apple chat support, but they are not letting me through due to high volume so I thought one of you fine people might have the answer:

I currently have an iphone x in the upgrade program, and it is at the end of its 2 year term. I think I have one or two payments left. I would like to pre-order the new 11 and do the upgrade program again, but I am wondering if I will get credited for the value of my X for the additional months I have paid past the 1 year minimum for the upgrade program?

Also, I have a small crack on the back glass. It still is covered by AppleCare until November. If I send it in via the upgrade program will they just fix that and charge me the AppleCare price, or do I have to take it in to get fixed before I upgrade?

Thanks!

I think you’re better off making the remaining payments early, fixing the crack, and seeking your phone. Then you can restart the iPhone upgrade program and have money enough to cover at least the first 6 months. They will not give you extra money for paying more than the first year of your current phone. So you’d be giving it back to them for nothing.

I’m also not sure about the crack if you were to turn it in to Apple. You might want to ask them that directly and make sure to save any email correspondence to cover your butt.

 

[eddiec312]

I am trying to ask this question via apple chat support, but they are not letting me through due to high volume so I thought one of you fine people might have the answer:

I currently have an iphone x in the upgrade program, and it is at the end of its 2 year term. I think I have one or two payments left. I would like to pre-order the new 11 and do the upgrade program again, but I am wondering if I will get credited for the value of my X for the additional months I have paid past the 1 year minimum for the upgrade program?

Also, I have a small crack on the back glass. It still is covered by AppleCare until November. If I send it in via the upgrade program will they just fix that and charge me the AppleCare price, or do I have to take it in to get fixed before I upgrade?

Thanks!

Not sure on the crack issue you have but I would get it fixed before returning it. However, I wouldn't return your X period since you only have 2 payments left. I was in a similar situation last year when the XS came out. I didn't return my 7+ which only had 2 payments left and just kept it and payed the 2 payments off and then sold it myself. If you don't return the phone after the upgrade plan the loan stays open, there really is no penalty but to just pay off the remaining payments and in your case you only got 2.

You will not get no sort of discount or credit from Apple for almost having the phone payed off. So just pay it off and keep it or sell it and get 11 through upgrade program.

 

[RollTide_King]

If you want to keep your iPhone X you will need to pay off the remainder of your loan on Citizen's One's website. If you are just looking trade it in for the new model you should be able to do that without issue. They won't be able to assess the crack in the screen over the phone so I don't know how that will play out but your best bet might be buying the device out and using it as a trade in device. You would get more off that way I believe.

 

[sartorial23]

In the same situation, Apple told me the benefit of the upgrade program is to do it every year. They don't give you credit for payments 13-24. They suggested the same as the comment above, pay it off and get on a new upgrade program. I also confirmed this with Citizens when I paid off my loan just now.
[doublepost=1568215984][/doublepost]

Not sure on the crack issue you have but I would get it fixed before returning it. However, I wouldn't return your X period since you only have 2 payments left. I was in a similar situation last year when the XS came out. I didn't return my 7+ which only had 2 payments left and just kept it and payed the 2 payments off and then sold it myself. If you don't return the phone after the upgrade plan the loan stays open, there really is no penalty but to just pay off the remaining payments and in your case you only got 2.

You will not get no sort of discount or credit from Apple for almost having the phone payed off. So just pay it off and keep it or sell it and get 11 through upgrade program.

Quick question since you did it last year, did you end up with two loans at Citizens since one was still open? I just paid off my last payment on my X and they said that loan is closed now and I need a new one through Apple.

 

[A.Jai]

In the same situation, Apple told me the benefit of the upgrade program is to do it every year. They don't give you credit for payments 13-24. They suggested the same as the comment above, pay it off and get on a new upgrade program. I also confirmed this with Citizens when I paid off my loan just now.

So if you do this are you still able to do a trade-in for the value of the old paid off phone while also signing up for a new upgrade program? I didn't see that as an option. All I see is "Apple iPhone payments" and "one time payment" as an option on the pre-order page.

 

[sartorial23]

So if you do this are you still able to do a trade-in for the value of the old paid off phone while also signing up for a new upgrade program? I didn't see that as an option. All I see is "Apple iPhone payments" and "one time payment" as an option on the pre-order page.

I'm not positive as my route is going to be selling third party. I read in another thread that after 24 hours your loan will show up as paid in full on Apple's side and you will be able to do a trade in. This has definitely not been confirmed so you may want to do more digging.

I will say that the Apple team member said that I could trade it in once paid off and apply that to the Apple iPhone Payments program but no mention of upgrade program.

 

[Legion103]

So if you pay off the full loan, the phone then becomes yours?

You don’t have to return it if it’s fully paid off?

 

[Exile714]

Paying off your phone and selling it or trading it in to Apple is your best bet.

But while we’re here, why not consider Apple’s monthly payment plan instead? I feel like they will try to phase out the iPhone Upgrade program eventually and replace it with just the monthly payments.

That way, we won’t have this awkward ”13th payment doesn’t count” situation.

I’ve been on the IUP since day-1. Got screwed by the iPhone X being delayed to November (2 extra payments didn’t count for the 7+ I had before it, and had to pay extra to get my XS Max “early”)

I’m keeping my XS Max this year to get off this IUP train. You’re only two months from doing the same!

 

[i hate phones]

So if you do this are you still able to do a trade-in for the value of the old paid off phone while also signing up for a new upgrade program? I didn't see that as an option. All I see is "Apple iPhone payments" and "one time payment" as an option on the pre-order page.

I don't think the upgrade program makes sense to do if you're trading in a phone. The point of the upgrade program is to upgrade after paying off half the phone. If you've paid off more than half (which you would have done if you apply trade in value at the beginning), it wouldn't make sense financially to hand over your phone to them after a year. The payments option is what you would want to do if you're applying a trade in.
[doublepost=1568217728][/doublepost]

So if you pay off the full loan, the phone then becomes yours?

You don’t have to return it if it’s fully paid off?

correct

 

[sartorial23]

Agree to the above, I’m getting off IUP with this. I’m going to either buy the 11 outright or get on the payment plan.

 

[compwiz1202]

I don't think the upgrade program makes sense to do if you're trading in a phone. The point of the upgrade program is to upgrade after paying off half the phone. If you've paid off more than half (which you would have done if you apply trade in value at the beginning), it wouldn't make sense financially to hand over your phone to them after a year. The payments option is what you would want to do if you're applying a trade in.
[doublepost=1568217728][/doublepost]
correct

This is why I wish they would just apply the trade in to the beginning of the installments so you would have no installments until the trade in was used up. That way 50% paid would still be after 12 months, and you wouldn't need to pay the installments off to get your money's worth.

 

[A.Jai]

Thank you for all of your responses! It really helped me figure out the best path. I think I am going to make this final payment on my X, fix this crack with my remaining AppleCare, and then do a trade-in and pay with the Apple Payments option. Seems to make the most financial sense.

 

[i hate phones]

This is why I wish they would just apply the trade in to the beginning of the installments so you would have no installments until the trade in was used up. That way 50% paid would still be after 12 months, and you wouldn't need to pay the installments off to get your money's worth.

That would make sense too. The payment option and the upgrade program are very similar, except with the payment option you're playing the trade in value game which isn't guaranteed. Right now though, at least for the Xs Max I think the trade in value is $50 higher than the upgrade program (if you've paid exactly half)... $600 vs half of 1099.. If you get apple care+ I think you get credited if you cancel so that should equal out.

 

[Mr. Heckles]

Agree to the above, I’m getting off IUP with this. I’m going to either buy the 11 outright or get on the payment plan.

Isn't iUP a payment plan? If you keep it the 2 years, you pay it off, or you can trade in once a year?

 

[i hate phones]

Isn't iUP a payment plan? If you keep it the 2 years, you pay it off, or you can trade in once a year?

Yes, I really don't see the downside of being on the IUP. It guarantees half value trade in after 1 year. You always have the option to pay off remaining balance and keep the phone, which would essentially be the same as the payment plan.

 

[Mr. Heckles]

Yes, I really don't see the downside of being on the IUP. It guarantees half value trade in after 1 year. You always have the option to pay off remaining balance and keep the phone, which would essentially be the same as the payment plan.

Thank you, I was also making sure of this. This will be my 1st time with iUP.

 

[sartorial23]

Thank you, I was also making sure of this. This will be my 1st time with iUP.

Correct. The only downside is having to jump through the extra hoop of calling Citizens and paying the phone off if you want to stay on the current IUP (assuming you keep the phone for more than 12 months). It was honestly really quick and easy.

The other downside which I don’t know if true is that if you keep for two years that loan is closed and you may get another hard credit pull to open a new loan on a new IUP.

 

[newellj]

In the same situation, Apple told me the benefit of the upgrade program is to do it every year. They don't give you credit for payments 13-24. They suggested the same as the comment above, pay it off and get on a new upgrade program. I also confirmed this with Citizens when I paid off my loan just now.
[doublepost=1568215984][/doublepost]

Quick question since you did it last year, did you end up with two loans at Citizens since one was still open? I just paid off my last payment on my X and they said that loan is closed now and I need a new one through Apple.

This is how it works (first paragraph). Every payment you make after the 12th payment in effect reduces the value of the phone when you give it back under the IUP. My two cents: pay off the loan, use AC to fix the back, and either sell it yourself or trade it in as an owned phone, rather than an IUP phone, to Apple.

 

[eddiec312]

In the same situation, Apple told me the benefit of the upgrade program is to do it every year. They don't give you credit for payments 13-24. They suggested the same as the comment above, pay it off and get on a new upgrade program. I also confirmed this with Citizens when I paid off my loan just now.
[doublepost=1568215984][/doublepost]

Quick question since you did it last year, did you end up with two loans at Citizens since one was still open? I just paid off my last payment on my X and they said that loan is closed now and I need a new one through Apple.

Yes I had two loans with two different loan numbers when I decided to keep my phone and pay off the final two payments.