Other Does anyone on IUP *not* upgrade every year?

Discussion in 'iPhone' started by anthonymoody, Oct 25, 2018.

?

Do you treat the IUP as a payment plan, or upgrade every year?

  1. Use it as a payment plan (i.e. upgrade every 2 years or more)

    37.5%
  2. Upgrade every year

    62.5%
  1. anthonymoody macrumors 68020

    anthonymoody

    Joined:
    Aug 8, 2002
    #1
    If not, why not?

    Pondering moving on from my X and thinking about doing so through the program. Just wondering whether people upgrade for sure or treat it more like an installment plan I guess.
     
  2. MacDawg macrumors Core

    MacDawg

    Joined:
    Mar 20, 2004
    Location:
    "Between the Hedges"
    #2
    I am on Apple's upgrade and got the X last year
    And my wife got the 7 plus 2 years ago
    Neither of us upgraded and her's is paid off now
    And I just paid off my X the other day

    Neither of us felt compelled to upgrade and start a new cycle yet
    We had the payments budgeted easily, but it just wasn't something we needed
     
  3. RootBeerMan macrumors 65816

    RootBeerMan

    Joined:
    Jan 3, 2016
    #3
    My wife and I are on the plan, but we only upgrade every two years after paying off the phones. We then hand them down to the kids, rather than trade them in on new ones.
     
  4. anthonymoody thread starter macrumors 68020

    anthonymoody

    Joined:
    Aug 8, 2002
    #4
    Thanks @MacDawg and @RootBeerMan I appreciate it. So far that's 2-0 on the side of 'payment plan' vs 'annual upgrade' which is exactly the opposite of my assumption! Not that it's statistically significant. Maybe I should set it up as a poll.
     
  5. RootBeerMan macrumors 65816

    RootBeerMan

    Joined:
    Jan 3, 2016
    #5
    We definitely use it as more of a payment plan than an annual upgrade program. Works out better for us and the kids get new to them iPhones without us having to break the bank buying new ones for them.
     
  6. zhenya macrumors 603

    zhenya

    Joined:
    Jan 6, 2005
    #6
    Why not? Because after the interest-free loan is paid off I still have a perfectly functional device and hundreds of dollars per year extra in my pocket.
     
  7. maflynn Moderator

    maflynn

    Staff Member

    Joined:
    May 3, 2009
    Location:
    Boston
    #7
    I found carrier's promotions to be superior that what was coming from Apple. I think if you're not all that interested in an annual trade in, you might be better off money wise taking advantage of other deals.

    I was never really tempted by apple's IUP simply because I don't upgrade every year. I think the X vs. Xs is the a great example of this. The difference between those two models is extremely minor and not really worth the effort imo. Others may disagree but that's my opinion of the Xs.
     
  8. MacDawg macrumors Core

    MacDawg

    Joined:
    Mar 20, 2004
    Location:
    "Between the Hedges"
    #8
    I started the upgrade program with Apple with the 7 Plus and traded up to the X and intended to continue
    But when the new phones came out, I didn't feel the move to the Xs or Max was something I really wanted
    So I just paid my X off and now I am a free agent again

    My wife started the upgrade program with the 7 Plus as well
    But she didn't really feel the need to move to the 8 Plus
    So here account just got paid off

    Now neither of us are on a program and will wait to see what comes down the road
    I'm not opposed to getting on the program again when the time comes
    It is simple, interest free and transparent on the Citizen's One website
    The only thing I didn't like was having to call them to pay it off instead of handling it completely online

    I did like the hassle free trade in to the newer model
    Painless
     
  9. anthonymoody thread starter macrumors 68020

    anthonymoody

    Joined:
    Aug 8, 2002
    #9
    I found the same re carrier promotions in a recent investigation. ATT offered me $450 off any phone including the XS and XS Max (and the XR once released... offer not good for pre-order) to upgrade among our 4 lines, but, that line would be tied to a 2 year contract (and must be paid up front). I don't like the idea of the contract. But OTOH we've been with ATT for so long it hasn't really mattered. Phones ARE locked in that offer, but, we now use the $10 Intl Day Pass rather than swap in a different SIM when we travel. So, locked = not a big deal. And, we can upgrade (again) in a year with ATT if we start a new 2 year contract at that time.

    Still leaning toward the IUP if I decide to get a new phone however. The flexibility appeals to me, as do the monthly rather than lump sum payments.

    As to the second thing I bolded, I'm less sure. I think overall, this is definitely true. Incremental speed differences and other small things are not worth the trade. However, the camera in the XS is a BIG improvement IMO over the X. Even the XRs single lens example is better in certain respects. The larger sensor is a very big deal and produces noticeably better photos. I've compared side by side as have many reviewers and commenters here. I hate to say night and day, but, a very big and noticeable difference. For me, that might be worth the trade.

    I've been focusing on this because I've had reason of late to scroll through our photo library. We have digital camera photos (2MP!) dating back to 1999. The photos get better and better every year/camera as we traded to better point and shoots and even a DSLR at one point. Starting in late 2007, our library begins to contain iPhone photos. Compared to the later point and shoots we had, and of course the DSLR, the photo quality is embarrassingly bad from the iPhones.

    In the ensuing 10 years of course, the scales tipped. iPhone photos got better over time; so much so that we used the DSLR less and less, and today hardly at all. Still, the X's photos are not as good as what we get with the DSLR. So, an even better iPhone camera is something I would really like and appreciate.

    Understood that that is not a consideration for everyone.
     
  10. akash.nu macrumors 604

    akash.nu

    Joined:
    May 26, 2016
    #10
    I upgraded this year after being on the 8 plus from last year. Not that I felt like it but more like I wanted to try the new form factor.
     
  11. nostresshere macrumors 68030

    Joined:
    Dec 30, 2010
    #11
    I find it more amazing that people think they are getting "free" upgrades.

    SO VERY WRONG.

    You bought a phone on a 24/30 month payment plan. You then have the OPTION to basically sell it back to them at the current balance and start a NEW PURCHASE PLAN. Or - pay it off. Or trade later.

    It really is very simple but most people make it very complicated.
     
  12. anthonymoody thread starter macrumors 68020

    anthonymoody

    Joined:
    Aug 8, 2002
    #12
    I think it’s more of the *hassle* free factor that appeals.

    Sure, you could pay in full upfront, sell after a year and take your chances. You may very well do better than 50% at that point. But then you deal with the buyer, scammers, selling site fees, PayPal fees, etc.

    Or get an interest free loan, guarantee your “selling” price after 12 months, and get a new phone without dealing with any of that.

    And I use eBay and other sites a LOT so I’m not coming down either way. Just saying there’s more to it.
     
  13. MattXDA macrumors 6502

    MattXDA

    Joined:
    Aug 18, 2014
    Location:
    UK
    #13
    My issue with it is that it includes AppleCare, which I would never buy
     
  14. anthonymoody thread starter macrumors 68020

    anthonymoody

    Joined:
    Aug 8, 2002
    #14
    Fair, though I would never go without it.
     
  15. andyp350 macrumors 6502a

    Joined:
    Aug 14, 2011
    #15
    Ive gone on it this year but I have no intention of handing the phone back to them after a year. It would basically just mean I had rented a phone for a year off them.
    If I want to upgrade next year I will clear the remaining balance and sell the phone privately after I have bought the new phone.
    In all likelihood I am probably hoping to just keep my XS Max for 2 years but if the new phones next year really blow me away then that may change.
     
  16. anthonymoody thread starter macrumors 68020

    anthonymoody

    Joined:
    Aug 8, 2002
    #16
    I get that strategy. Again, it's a trade off between the possibility of a few additional bucks in exchange for some incremental hassle.
     
  17. nostresshere macrumors 68030

    Joined:
    Dec 30, 2010
    #17
    If you do not want AppleCare - then buy the phone at a carrier store or other retail place. No big deal. Actually, if you wait a month, you will even get better pricing elsewhere - such as Target or Sams gift cards.

    (I do not buy this sort of insurance either - self insured is cheaper - though I now get $600 coverage by paying the bill with Wells Fargo credit card)
     
  18. Wags macrumors 65816

    Joined:
    Mar 5, 2006
    Location:
    Nebraska, USA
    #18
    I was every year until the XS that I received had poor performance in weak signal areas. Returned. Still have X on program. Interest free loan at this point.
     
  19. melman101 macrumors 68030

    Joined:
    Sep 3, 2009
    #19
    I was but did not this year. Not necessary for us anymore.
     
  20. ra4oasis macrumors 6502

    ra4oasis

    Joined:
    Jul 10, 2010
    #20
    Wife got an X on IUP, but is just using the plan for financing, and she won’t get a new phone for a while.

    I’ve been on the IUP since the 7, and get a new phone every year, at least thus far. We’ll see if I trade the XR in after a year, or just pay it off.
     
  21. mdesantis macrumors newbie

    Joined:
    Apr 25, 2018
    #21
    I’ve been on IUP several times and have kept some / turned some in depending on how compelling the new features are. (Turned in 6 for 6s, but kept 6s. Turned in X 256 for XS 512.)

    In addition to an interest free payment plan and guaranteed 50% resale value (even on high storage models), you only pay for the time you have Apple Care because it’s cost is spread into the payments. This is especially important with the new Apple Care with loss protection.

    For me the other big benefit is IUP phones are always unlocked despite being on a payment plan. That’s a big deal for travelers and even more important with Dual SIM and Verizon locking their phones again.

    The downside of the program for me are related to Citizens One and hiccups every time I applied (from not liking Amex as my credit card to needing manual verification calls).
     
  22. akash.nu macrumors 604

    akash.nu

    Joined:
    May 26, 2016
    #22
    This is exactly what my reason is. I hate dealing with people / third party sites to offload my old gadgets.
     
  23. aakshey macrumors 68000

    aakshey

    Joined:
    Jun 13, 2016
    #23
    You could have just swapped it out. Must have been a defective piece dude.
     
  24. MattXDA macrumors 6502

    MattXDA

    Joined:
    Aug 18, 2014
    Location:
    UK
    #24
    Currently I just buy the phone outright and sell it to buy the new one on launch day, but this year I didn’t because the resale values of the X on eBay in the UK would have made the upgrade to an Xs Max cost £500, so I sent it back
     
  25. OBirder macrumors 6502

    OBirder

    Joined:
    May 13, 2015
    #25
    Exactly!

    Before I kept my phones for 2 years. After the 2 years I did get it unlocked. I carried two phones on international travel, the current generation locked phone and the old generation unlocked phone with a local SIM card.

    On the IUP I have a worry free current unlocked phone (if it breaks even in the worst case I have a replacement in 2 days). No need to keep an older phone. Currently for European travel I use the AT&T international plan which gives me for $10 a day unlimited text and calls and data according to my regular plan. This is better than it had been in prior years, but for 14 days in Europe that still adds up to $140 (+ fees).

    Once we hopefully soon have unlocked Dual SIM, I can keep my AT&T eSIM for incoming calls from the US, but use a local SIM which potentially gives me 1 to 1.5 GB of data for 10 EUR.

    By the way just for fun: If you forget to add an international day pass or you don't have local SIM and you travel to Europe with a SIM locked to AT&T the rate for 1 GB of data = 2,099.20 USD (+ fees).

    As you I am in for the IUP:
    - Current technology with fresh battery and peak performance
    - Worry free in case of failure (even if outside the country)
    - Unlocked phone
    - Yes I pay a convenience fee for the above, but it's typically hassle free
     

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30 October 25, 2018