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.
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Existing Apple upgrade program users: HP or SP?
- Thread starter taran420
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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.
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
Well going to try find out. Definitely don't like this about the iPhone upgrade program: http://qz.com/775042/you-might-want...ct-you-signed-for-the-iphone-upgrade-program/
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
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.
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.
