Carrier AT&T Next vs. Apple iPhone Upgrade Program

Razorhog

macrumors 65816
Original poster
Sep 16, 2006
1,144
116
Arkansas
I just paid off my iPhone 6 Plus via the AT&T website. I was wondering about the iPhone Upgrade Program from Apple - is it better than going through ATT? I assume I can join the iphone upgrade program when I preorder the iPhone 7?
 

Razorhog

macrumors 65816
Original poster
Sep 16, 2006
1,144
116
Arkansas
Thanks. I usually sell my old phones on eBay. Won't need Apple Care unless it offers breakage protection. I buy an insurance policy on my phones through my home/auto insurance company, which is cheaper than buying one through AT&T.
 
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Razorhog

macrumors 65816
Original poster
Sep 16, 2006
1,144
116
Arkansas
I think I might go with the Apple upgrade program and ditch my insurance policy. The accidental damage policy/prices included with Applecare+ sound reasonable:
AppleCare+ for iPhone extends your coverage to two years from the original purchase date of your iPhone1 and adds up to two incidents of accidental damage coverage, each subject to a service fee of $29 for screen damage, or $99 for any other damage, plus applicable tax.
[doublepost=1473298295][/doublepost]I should add that water damage was a major factor in buying the third party insurance, but the iPhone 7's IP67 rating mitigates that to an extent. My wife's iPhone has committed suicide by jumping in the toilet twice now.
 
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sydia21

macrumors regular
Jul 1, 2010
215
27
Washington, DC
Hey guys hoping someone could answer this for me. I am currently on next but looking to pay off my 6s plus, sell it and start with Apple upgrade program because I would like an unlocked phone. I do have one question- will I have to go in store to Apple next year to upgrade or can I do it online as I have done in the past- preordered my phone from Apple and have it shipped to me? If so that will be a deal breaker as I don't have time to wait in store on launch day. Thanks for the info.
 
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Lobwedgephil

macrumors 603
Apr 7, 2012
5,076
3,725
Hey guys hoping someone could answer this for me. I am currently on next but looking to pay off my 6s plus, sell it and start with Apple upgrade program because I would like an unlocked phone. I do have one question- will I have to go in store to Apple next year to upgrade or can I do it online as I have done in the past- preordered my phone from Apple and have it shipped to me? If so that will be a deal breaker as I don't have time to wait in store on launch day. Thanks for the info.
You will order online, but pickup in store for the program.
 

x-evil-x

macrumors 601
Jul 13, 2008
4,830
2,627
You will order online, but pickup in store for the program.
Not from what I've been told. According to Att you can order either through them(pre order) or through apples site(since it goes through carriers also) and it gets shipped to you.
Why would you have to go pick up the phone in person for next? makes no sense
 

Mlrollin91

macrumors G5
Nov 20, 2008
13,554
9,099
Ventura County
Not from what I've been told. According to Att you can order either through them(pre order) or through apples site(since it goes through carriers also) and it gets shipped to you.
Why would you have to go pick up the phone in person for next? makes no sense
The person you quoted was referring to a post about the IUP not Next.
 

lordofthereef

macrumors G5
Nov 29, 2011
12,910
3,481
Boston, MA
Do it through Apple. Why include a middle man in the transaction?
You're quite literally including a middleman in both scenarios, that being the lender. Depending on your viewpoint your yearly credit checks might even make Apple a worse option. And you have forced Apple care (again depending on viewpoint).
 

x-evil-x

macrumors 601
Jul 13, 2008
4,830
2,627
Its also cheaper if you do plan on upgrading yearly if you do Next. You don't really need applecare unless you're on a 24 month plan after the first year or if you drop your phones a lot. One year insurance on anything happening that you didn't cause is good to me for a year.
[doublepost=1473299784][/doublepost]
No, iPhone Upgrade Program.
ooo yea i got it now.
selling your phone outright will make you more (after paying it off) but it is a hassle doing that.
 

ZombiePete

macrumors 68020
Aug 6, 2008
2,256
977
San Antonio, TX
I think I might go with the Apple upgrade program and ditch my insurance policy. The accidental damage policy/prices included with Applecare+ sound reasonable
Bear in mind that Insurion mobile insurance covers lost/stolen phones, whereas AppleCare+ does not. AppleCare is a great option and I would much rather deal with Apple than Insurion in most cases, but it's a big enough factor for me that for my iPhone I go through AT&T for insurance and use AppleCare+ for all my other devices.
 

TallManNY

macrumors 601
Nov 5, 2007
4,354
1,211
You're quite literally including a middleman in both scenarios, that being the lender. Depending on your viewpoint your yearly credit checks might even make Apple a worse option. And you have forced Apple care (again depending on viewpoint).
Well if you don't like a cheaper and slightly subsidized Apple Care, then yes, don't do it. But Apple Care on a $749 phone seems like a reasonable thing to do. I think you mentioned that other forms of insurance are available, but if you use home insurance don't the have a deductible before you can collect?

I don't know what a yearly credit check would do to your credit, but I can't imagine it being much of a ding. I assume my credit gets checked a few times a year. And in any case, unless I'm getting a mortgage, I can't think of any situation where my credit going up or down a little bit is going to cost me money. But I guess if your credit is on the bubble where you might not be able to rent an apartment or something like that, then you want to protect it with kid gloves. Though in that case, you might want to consider buying a $60 Android smartphone from Amazon and making efforts to pay down debt and rehabilitate you credit.
 

lordofthereef

macrumors G5
Nov 29, 2011
12,910
3,481
Boston, MA
Well if you don't like a cheaper and slightly subsidized Apple Care, then yes, don't do it. But Apple Care on a $749 phone seems like a reasonable thing to do. I think you mentioned that other forms of insurance are available, but if you use home insurance don't the have a deductible before you can collect?

I don't know what a yearly credit check would do to your credit, but I can't imagine it being much of a ding. I assume my credit gets checked a few times a year. And in any case, unless I'm getting a mortgage, I can't think of any situation where my credit going up or down a little bit is going to cost me money. But I guess if your credit is on the bubble where you might not be able to rent an apartment or something like that, then you want to protect it with kid gloves. Though in that case, you might want to consider buying a $60 Android smartphone from Amazon and making efforts to pay down debt and rehabilitate you credit.
The reason I don't value Apple care is because if I lose or have the device stolen it's a total loss. If I crack the screen once I've still already paid out what I would out of pocket for a screen repair. In the off chance I completely smash my device, it's $300-325 to repair.

I always like to say that I've saved enough money not doing Apple care over the years on our devices to buy two phones outright. And that includes having to replace a phone that went through the wash once (also, deductibles as well as out of pocket repairs were cheaper then).

I just don't consider it a big enough security net. Unless you know you treat your phones like dirt and you're likely to have multiple repair bills it just isn't and hasn't been worth it for me. But I also tend to insure things that I am either legally required to or that would cause incredible financial hardship to replace. Not saying $300 is my toilet paper, but if I had to pay it I would knowing that it's likely not s common occurrence. Replacing my car (or someone else) or my house or everything in it would be much more difficult.

As far as credit checks it's a hard check. But it doesn't really bother me. I do feel it worth mentioning when comparing products and thus allowing the poster to be as informed as possible.
 
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Fernandez21

macrumors 601
Jun 16, 2010
4,720
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Next also gives your more options, if you don't plan to upgrade every year you can extend it and pay less a month or even do a down payment.
 
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x-evil-x

macrumors 601
Jul 13, 2008
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question is how do you buy a phone on your credit card for extra insurance (amex) but have a payment plan? Make all payments through the credit card?
 

TallManNY

macrumors 601
Nov 5, 2007
4,354
1,211
The reason I don't value Apple care is because if I lose or have the device stolen it's a total loss. If I crack the screen once I've still already paid out what I would out of pocket for a screen repair. In the off chance I completely smash my device, it's $300-325 to repair.

I always like to say that I've saved enough money not doing Apple care over the years on our devices to buy two phones outright. And that includes having to replace a phone that went through the wash once (also, deductibles as well as out of pocket repairs were cheaper then).

I just don't consider it a big enough security net. Unless you know you treat your phones like dirt and you're likely to have multiple repair bills it just isn't and hasn't been worth it for me. But I also tend to insure things that I am either legally required to or that would cause incredible financial hardship to replace. Not saying $300 is my toilet paper, but if I had to pay it I would knowing that it's likely not s common occurrence. Replacing my car (or someone else) or my house or everything in it would be much more difficult.

As far as credit checks it's a hard check. But it doesn't really bother me. I do feel it worth mentioning when comparing products and thus allowing the poster to be as informed as possible.
I'm with you. I've never done Apple Care before this iPhone 6S. Somehow (and it remains a mystery) my screen got cracked. I went in and had it repaired (actually they replaced the phone, but only due to their snafu when they had failed to replace the screen in the two hours they promised) . But I think I still had to pay something under Apple Care. With the $29 screen repair under Apple Care it might be more worthwhile.

And I think I might go case-free more often if I was used to having Apple Care. Though I have to say using an iPhone case -free does strike me as just reckless. And it isn't like the 6 or 6S is all that pretty outside of the case to make it worthwhile. Now the 4 and 4S, that was a gorgeous phone that deserved to run free. When my 4 started its second year and had decreased in value, I like using it without a case. I never dropped it and it got handed down for two more years of use. Those were good times. But phones are more expensive now. Not sure if I'm going to release my 6S from its case. The design doesn't do it for me, the feel is slippery, and it still has $400 of blue that can get significantly degraded in a second.
 
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