I preordered a 7+ and chose the finance option thinking it was same as upgrade but you could buy upgrade with or without apple care. I want to keep my order so I get the phone reasonably soon (october) but want to change to the upgrade program. Apple says they can't do this, so does Citizen's Bank. Apple says I can cancel and reorder but lose my place in line. So other suggestions? What if I get the phone, take it to Apple Store new wrapped in the box and tell them I want to turn it in for a refund and then ask them to sell it back to me as an iPhone upgrade program transaction?