Existing Apple upgrade program users: HP or SP?

Discussion in 'iPhone' started by taran420, Sep 7, 2016.

  1. taran420 macrumors 6502a

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    Toronto, Canada
    #1
    I tried searching but couldn't find an answer and I'm assuming an answer won't be available until launch day, but any input would be appreciated.

    Thanks!
     
  2. mrt209 macrumors 6502

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    USA/Germany
  3. sjsharks13 macrumors regular

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    Jul 15, 2008
    #3
    Hard Pull or Soft Pull. I think its a hard pull
     
  4. mrt209 macrumors 6502

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    #4
    Ah... yeah hard pull the first time you sign up, then soft pull each time you upgrade.
     
  5. sjc83 macrumors 6502

    sjc83

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    Cleveland
    #5
    I don't think that is correct.
     
  6. sjsharks13 macrumors regular

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    Jul 15, 2008
    #6
    Pretty sure its a hard pull each time
     
  7. mrt209 macrumors 6502

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    #7
    When I signed up they did a hard pull (in the US). I asked if they would do a hard pull each year because would affect my credit score and they said it would be soft pull once you are in the program... might have told me the wrong thing, but it's the same bank so no need for them to do another hard pull.
     
  8. sjsharks13 macrumors regular

    Joined:
    Jul 15, 2008
    #8
    Interesting. There seems to be a lot of confusion here because everything I heard has led me to believe that its a hard pull each time because you're applying for a new loan
     
  9. sjc83 macrumors 6502

    sjc83

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    Oct 9, 2008
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    Cleveland
    #9
    this.
     
  10. mrt209 macrumors 6502

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  11. taran420 thread starter macrumors 6502a

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    Toronto, Canada
    #11
    Really on the fence here. I purchase apple care plus seperately all the time so this program makes more sense for me but a HP every single year isn't very appealing
     
  12. Lobwedgephil macrumors 68040

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  13. mrt209 macrumors 6502

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    Nov 21, 2010
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    USA/Germany
    #13
    Just an update... did not do a hard inquiry for me (checked my credit report). Asked citizens one just to confirm and they said as well they do not do a hard pull.
     
  14. sjc83 macrumors 6502

    sjc83

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    Oct 9, 2008
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    Cleveland
    #14
    Yup same for me.
     
  15. PieTunes macrumors 6502

    PieTunes

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    May 6, 2016
    Location:
    San Diego, CA
    #15
    Ditto, no hard pull for me either. Any inquiry would have shown up by now.

    Like many other credit cards, banks, etc. it stands to reason if you have a previous/ongoing relationship, they can extend credit and whatnot without a hard pull, and base your approval on a soft pull combined with your payment history with them, etc.
     
  16. nburwell macrumors 68040

    nburwell

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    May 6, 2008
    Location:
    PHL
    #16
    I can confirm no hard pull when I upgraded to the 7 through IUP.
     
  17. Mlrollin91 macrumors G4

    Mlrollin91

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    Nov 20, 2008
    Location:
    Ventura County
    #17
    I can also confirm no hard pull on my second year.
     

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