So I tried the Apple Upgrade Program for the first time this year with the iPhone 7, out of curiosity. I usually buy my phones outright but didn't with the 7. I called Citizens One support today to pay off the entire loan for the phone because I don't want to deal with the Program nightmares next year for the next phone that so many dealt with this year. The rep was such a douche. My question was simply, "I am calling today to pay off my entire balance, can you assist me?" I had to repeat my question 3 times. He had an attitude and tried to convince me to not pay off the phone. He told me by doing so I'd forfeit AppleCare+ and also that I'd be losing money if I want to upgrade next year. I told him no way is that possible (AC+) and that I'd like to pay off the phone please. Maybe he meant I'm losing money because I paid for AC+ for 2 years and if I upgrade I lose the extra year. He didn't say, but I'm willing to give some benefit of doubt on this. He then goes off on me and says "well why did you use IUP in the first place if you just want to pay off the entire balance?" "It makes no sense to do this, you know you can just trade in the phone when you upgrade, right?" "Why do you want to just pay it off if you're going to upgrade anyway?" Again I told him dude please just let me pay off the balance and let's get on with the day. Finally he processed it. So yeah, that was fun. I'm never using Citizens One again that's for sure!