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Declined for Apple upgrade program?

EW800 said:
Very Not True. A lot of young people, just starting out with credit, can have a low credit score as they are building. It does not mean they are a deadbeat or anything even close to that. Additionally, there are people that go through major medical issues, which can damage credit, but does not mean they are a deadbeat.
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Of course there are exceptions. You and I both know I'm not talking about folks with brain tumors or cancer. We are talking about people who took out credit they knew damn well they couldn't pay back... which is more than likely the reason for the overwhelming majority of low credit scores.

Kids just "starting out" would be advised to wait till they have the cash for the phone, buy it on your credit card and pay the total balance in full...hence building credit while not taking on debt. But I digress.

In the other thread, it seems there is a problem with the bank's systems. There are people with high credit scores being rejected while some with low scores are being accepted.
 
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Just back from picking up my 6S Plus.

Many folks were enrolling in the upgrade program in store. There was a 18 year old in line in front of me who was going to attempt to enroll, and he had no previous credit. As I left, I wished him good luck, and he said he had been approved, and was just waiting to receive his phone from the staff. So, it would seem that approvals are coming for folks with no credit, yet declines are coming for others with excellent credit. It does not make a whole lot of sense!
 
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I was denied because my verizon plan is part of a corporate business account. Anyone have success with a business account?
 
just trying to make sense of it while I receive my "rejection letter"...
By any chance, those with "good credit" who are getting declined still under an ATT Next agreement, or any other contract?
 
SPX said:
Just back from picking up my 6S Plus.

Many folks were enrolling in the upgrade program in store. There was a 18 year old in line in front of me who was going to attempt to enroll, and he had no previous credit. As I left, I wished him good luck, and he said he had been approved, and was just waiting to receive his phone from the staff. So, it would seem that approvals are coming for folks with no credit, yet declines are coming for others with excellent credit. It does not make a whole lot of sense!
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It's does make sense. The people with the good credit could have much more outstanding debt because they over spend but make payments. That 18 year will not have a house note and tons of debt on their credit.
I've learned that someone driving a expensive car with a big house is 9 out of 10 broke/living beyond their expenses. Chances are that 18 year old pizza delivery guy is able to make the payments vs someone with a 850 credit score with tons of built up debt.
 
cdm283813 said:
It's does make sense. The people with the good credit could have much more outstanding debt because they over spend but make payments. That 18 year will not have a house note and tons of debt on their credit.
I've learned that someone driving a expensive car with a big house is 9 out of 10 broke/living beyond their expenses. Chances are that 18 year old pizza delivery guy is able to make the payments vs someone with a 850 credit score with tons of built up debt.
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wow your post made my head hurt with that broscience logic.
 
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Update: I called Apple corporate and went through all the different automated things until I finally was able to talk to a human. I moved up the totem pole a few times to speak with a manager and explained what happened.

Explained that most in my 8am group were denied. And that online hundreds of people with ridiculously good scores were being denied, and those with little to no credit were. I asked if the goal was to find people who had little good credit in hopes that they rack up fees, of course the answer was no.

I directed them to this forum, and other sites were hundreds of people were discussing it. They called citizens one with myself on the line and explained the situation. This was my final outcome:

At 8 am tomorrow, (because you can only do one reserve per 24 hours... So 24 hours from your reservation time if not 8am) make another appointment in store to get the new phone. Call citizens one 24 hours after their first attempt at processing your application. I received several emails regarding the financing so I can see when it was submitted. They at that time will have enough information from your application to tell whether you were legitimately denied (and the reasons) or if it was in error.

If it was an error, correct it and head back to Apple for round two. Unfortunately, they will have to pull your credit again and who knows... Two hard pulls in 24 hours may cause it to be denied again. But this is what Apple told me to do. Hopefully the bank can flag something to allow it to go through if it was an error.

Personally, if it is an error, I fully intend to dispute the hard pull.
 
onujpt said:
Update: I called Apple corporate and went through all the different automated things until I finally was able to talk to a human. I moved up the totem pole a few times to speak with a manager and explained what happened.

Explained that most in my 8am group were denied. And that online hundreds of people with ridiculously good scores were being denied, and those with little to no credit were. I asked if the goal was to find people who had little good credit in hopes that they rack up fees, of course the answer was no.
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I have a 750+ credit score and the first phone I bought got approved but the second one didn't. We tried five times. Weird thing is that I got an email from Citizen for every attempt indicating that I had been approved, it didn't say anything about being declined. The manager in the store then said that he had heard over the radio that other stores had the same problem and that it had something to do with AMEX and Chase. I ended up paying full price for the second phone with the same AMEX and it went through on problem. I guess it's growing pains with a new program.
 
I tried using my Apple barclaycard and my CitiCard Double Cash... Or whatever it is. Both had 4,000+ available. Both declined.
 
onujpt said:
Update: I called Apple corporate and went through all the different automated things until I finally was able to talk to a human. I moved up the totem pole a few times to speak with a manager and explained what happened...
Click to expand...

Thank you for this. I'll try this.
 
onujpt said:
Update: I called Apple corporate and went through all the different automated things until I finally was able to talk to a human. I moved up the totem pole a few times to speak with a manager and explained what happened.

Explained that most in my 8am group were denied. And that online hundreds of people with ridiculously good scores were being denied, and those with little to no credit were. I asked if the goal was to find people who had little good credit in hopes that they rack up fees, of course the answer was no.

I directed them to this forum, and other sites were hundreds of people were discussing it. They called citizens one with myself on the line and explained the situation. This was my final outcome:

At 8 am tomorrow, (because you can only do one reserve per 24 hours... So 24 hours from your reservation time if not 8am) make another appointment in store to get the new phone. Call citizens one 24 hours after their first attempt at processing your application. I received several emails regarding the financing so I can see when it was submitted. They at that time will have enough information from your application to tell whether you were legitimately denied (and the reasons) or if it was in error.

If it was an error, correct it and head back to Apple for round two. Unfortunately, they will have to pull your credit again and who knows... Two hard pulls in 24 hours may cause it to be denied again. But this is what Apple told me to do. Hopefully the bank can flag something to allow it to go through if it was an error.

Personally, if it is an error, I fully intend to dispute the hard pull.
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I agree with most of what you are saying but no way in hell i would let them put another hard inquiry on my file. in either case within a 30 day period from the same vendor I don't think it counts twice. I am wanting to dispute the first hard pull from them...sob's
 
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