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'Apple Upgrade' Program Reportedly Launching Next Week

Ethrem said:
Hard pulls mean nothing in the grand scheme of things. After a certain point you don't even take a score hit from them anymore (ask me how many accounts I opened in a year to know that) and before that it's like 5-10 points, a blip on the radar that's largely inconsequential.

The only time people should be worried about hard pulls is if they're buying a house or financing a car in the next year since those scores are more sensitive to credit seeking than FICO 8, 9, and 10 are. For everyone else, finances over FICO.
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5-10 points can mean the difference in credit tiers, so it does mean something in the grand scheme of things. On top of that, you're getting into a legally binding contract for 24 to 36 months over a smart phone or tablet. That is just sad.
 
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iMac The Knife said:
5-10 points can mean the difference in credit tiers, so it does mean something in the grand scheme of things. On top of that, you're getting into a legally binding contract for 24 to 36 months over a smart phone or tablet. That is just sad.
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Anything over 760 you're typically getting the best rates. I'm in the 780s across my scores, and 800s in a few of them, 5-10 means nothing for me.

I usually open a credit card with a sign up bonus when I get a new phone but I have my 17 Pro Max on my Apple Card right now since I didn't actually plan to buy it until I did so there wasn't time to get a new card. It's not like I couldn't pay it off if I wanted to but why bother when it's 0%?
 
What is the major financial problem with a huge number of Americans, cash flow or commonly defined as paychecks to paycheck's financing. This option digs a larger financial hole the longer the lease.
 
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