noobinator
macrumors 604
Especially the guy who is 2 points below perfect! He's so awesome it's hard to describe. I bet all the ladies are sending him private messages as we speak.
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Declined for Apple upgrade program?
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Especially the guy who is 2 points below perfect! He's so awesome it's hard to describe. I bet all the ladies are sending him private messages as we speak.
RossMak
macrumors 6502
I didn't even know credit score bragging was a thing until I opened this thread.
What is the highest you can get? That's what mine is
noobinator
macrumors 604
ZombiePete
macrumors 68020
I think the real irony here is that you quoted my post and then mentioned paranthetically that you have a high credit score. Congratulations! Also, having a high credit score doesn't mean you don't finance things; financing, especially with a zero percent interest rate, can be a financially savvy way to help increase or maintain a good credit score as long as you can make the payments. Looking down your nose at people who use credit is short-sighted (no pun intended).
aesc80
macrumors 68020
phpmaven
macrumors 68040
Imam
When it comes to launch plans for Friday, the phone/chat reps and the most of the reps in the store will all tell you something different. Most of the time, they are totally wrong. The only way to really get straight answers is to actually go into your local Apple store and talk to a manager or one of the higher up workers who will actually be organizing the launch. Even then, you will often get conflicting info. It could be that some of the reps are actually giving out accurate info, but there is so much conflicting info being given out that you can't go by anything they tell you. I've been through this numerous times. That's just the way it is. We won't really know how it's all going to work until Friday.
I think nothing will be clear until Friday and folks start reporting their experiences at the Apple Store.
RossMak
macrumors 6502
But what's the point in having a high a credit score if you can't go and brag to complete strangers on the internet about it ?
Sure, as long as you keep your credit margins low. I just get the rewards, and pay the balance each month. Just be careful you don't go chasing rewards. Only get things you'd normally get.
MuGeN PoWeR
macrumors 68040
marc55
macrumors 6502a
I think you should try to understand how the program works before calling it a scam.
noobinator
macrumors 604
His credit score is 848, 2 points below perfect. How dare you speak to him this way!?
If you are walking out with a $700 +/- phone, they need to have some hope they will get it back and/or get the payments. If you lease a car, they check your credit. No scam there.
But I agree... I did not want a credit pull, so I opted to just pay full price and avoid that.
macduke
macrumors G5
When I first spoke to an Apple rep on the phone about this program on the day before preorders became available, she said that the credit inquiry is a soft one and not a hard one. She said it's mainly for analytics. I was skeptical about what she said until she mentioned that last bit. Why would she say that if she wasn't trained on it? If one of you guys are worried, just call them up and confirm. Although she also mentioned that they were caught off guard by this program, so it's possible that she mixed up something. But that's what she told me anyway. I'll be doing the program because it's simpler than trying to resale my phone every year. I also wanted to get off contract with Verizon and this is an easy way to do that this year on a 0% loan. No upgrade fees either and AppleCare+ is included. The only thing that sucks is that you have to go into a physical store, so I need to drive a bit. Hopefully next year they will streamline the process so that they will just mail me the new iPhone with a shipping label and box to send the old one back.
It's great if you can get it. Money in hand today is better than in a year or two. With 0% you technically pay less over time due to inflation. I've done this before for things like furniture, MacBook Pros, etc—even though I could buy them outright if I wanted. 0% for multiple years saves money if you're responsible and has helped me build up my credit score over the years. So despite never having an auto loan and very limited credit card use, I was able to get a good rate on my first mortgage.
Warbrain
macrumors 603
I regularly check my score not out of desire to rank myself but more out of knowledge. I would never flaunt it.
flur
macrumors 68020
Careful with regular checking - each time you pull a credit report it dings you a little.
False. Consumer checking their credit and apps like Experian have no impact on your score.
flur
macrumors 68020
Each time you pull a full credit report it does. Which is what I said. I didn't say using the Experian app.
FWIW, unless you believe you're the victim of fraud or you know you've made some bad decisions, there's no reason to pull it. Heck, there's no reason even to track it. Know your debt load and make smart choices and you'll be fine. This is a field I used to work in professionally, so I'm not making crap up.
Or I want finance the phone at 0% APR and invest the cash at a highter rate.
I have a high credit score and would finance the phone in a heartbeat. 0% interest? Yes please. it barely makes a dent. I have other uses for my cash.
All you people whining "I don't want to mess up my score" need to get a clue. So do you people saying "if you have that high a credit score, you can probably just pay cash". Both total BS.
All you people whining "I don't want to mess up my score" need to get a clue. So do you people saying "if you have that high a credit score, you can probably just pay cash". Both total BS.
