Apple upgrade program

Discussion in 'iPhone' started by tbluhp, Sep 14, 2016.

  1. tbluhp macrumors 6502a

    Joined:
    Sep 6, 2006
    #1
    The Apple upgrade program what is the credit requirements? Also is it any better than the upgrade programs the carriers offers? Apple would not allow me to get an iPhone 7 as a new customer for some reason.
     
  2. Surfer13134 macrumors 6502a

    Joined:
    Jun 12, 2010
    Location:
    Florida
    #2
    No one actually knows the requirements,As some with extremely high credit get turned down. I have average,Maybe a tad below average and got approve for it,but my GF that has a 720 score with no outstanding credit got denied.
     
  3. KPOM macrumors G5

    Joined:
    Oct 23, 2010
    #3
    Citizens Bank runs the program, so it is dependent on their underwriting standards. Last year it was basically on par with carrier programs except that AppleCare+ is a mandatory purchase. This year, with the carrier promotions, it's a tougher call. If you are sure that you will upgrade to the next iPhone it is still basically a wash (except apparently Apple will do a better job prioritizing upgrade plan holders with in-store stock if this week's moves are any indication), but if you think you will keep it for 2 years then the carrier trade-ins are a better deal right now.
     
  4. tbluhp thread starter macrumors 6502a

    Joined:
    Sep 6, 2006
    #4
    Verizon's trade in is only a monthly credit.
     
  5. Stephencovar macrumors member

    Joined:
    May 20, 2015
    Location:
    Pasadena, California
    #5
    I wonder what the credit requirements are also. I have a 610 score based off of credit karma. I wonder what my approval odds are...
     
  6. colbearnation macrumors newbie

    Joined:
    Nov 16, 2015
    #6
    I actually applied last year (many times) and was rejected to I just bought the phone outright. This year I was rejected but they have an appeal process. Credit score thresholds may be low, but I was denied because something about my address didn't match up. They told me that my address didn't show up as residential so they had to confirm. After the appeal process I purchased the phone through IUP and it went through just fine. Of course now I'll have to wait until November to get my Jet Black + whereas if they had their stuff together I could have had it in hand by now.
     

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