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- Thread starter ILowry82
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It's interesting that you of all people are suggesting the closure of this thread since one of your first actions in this thread was to personally insult the OP by calling them a "douche".
I just want to confirm that this did work but it wasn't free.
@ Verizon
iPhone 6 Plus 299.99
Tax 59.99
iPhone 4 trade-in (200)
ETF + 1st Months Bill 412.11
Total Paid: $572
@T-Mobile
Trade-in Phone 20.00
Trade-in Recovery (7.00)
Flip Phone 72.00
Sim Starter Kit 10.00
Tax 6.56
3 Months of Service ~150.00
ETF Reimbursement (350.00)
Friend Referral promotion (25.00)
Total: (123)
Total Cost: 449
Retail Cost: 810 (749.99 + 59.99 Tax)
Still an unlocked iPhone for half cost is a great deal.
@ Verizon
iPhone 6 Plus 299.99
Tax 59.99
iPhone 4 trade-in (200)
ETF + 1st Months Bill 412.11
Total Paid: $572
@T-Mobile
Trade-in Phone 20.00
Trade-in Recovery (7.00)
Flip Phone 72.00
Sim Starter Kit 10.00
Tax 6.56
3 Months of Service ~150.00
ETF Reimbursement (350.00)
Friend Referral promotion (25.00)
Total: (123)
Total Cost: 449
Retail Cost: 810 (749.99 + 59.99 Tax)
Still an unlocked iPhone for half cost is a great deal.
It came at the additional cost of 2 hard pulls to your credit report, which dings your credit score.
Nothing. There is nothing else more important in life that will require a credit score. Totally worth a half price iphone.
Those people have better things to do with their time then spend 10 hours to flip phones, open Verizon lines, close Verizon lines, trade in phones, open TMobile lines and close TMobile lines. They can buy an iPhone because their time is worth more.
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Because everyone is working 24 hours a day
Nothing. There is nothing else more important in life that will require a credit score. Totally worth a half price iphone.
Thanks. It's great that someone understands.
Woosh - the sound of my point flying over your head. I just edited my post to help you to get it. Their free time is worth more to them than the $350 you saved.
Woosh - stop trying to justify your invalid point. I just bought a house and a new car in 2012, and have all the credit I need. Would I give up 10 or 20 points for 2 years if I can get a new phone for half price? Yeah, I would, because I don't need credit for anything else. Plus, my score would still be "Excellent" even after 2 hard pulls.
So, since I have an "Excellent" credit score (780 average across the bureaus), you are grouping me into the category where you assume my time is more important than my money. Wrong. "They can buy an iPhone because their time is worth more." - no, I prefer to pay as less money as possible on every purchase I make, regardless of my credit score. Plus, it wouldn't take 10 hours to execute the OP's strategy.
Just get out.
If you ever want to buy a house, 780 doesn't give you much leeway for the top rates. Certainly wouldn't risk saving $350 bucks with something that could save you thousands over the course of a loan. Just something to thing about.
No reason to tell people to get out when they are trying to give sound advice. And I don't see where they were even referring to you directly, just that for most all people this isn't worth the time or credit hit (and they are right).
Looks snippy from both sides to me. Anyways, not trying to be a mediator here. Just reiterating that anything that requires hard credit pulls is worth re-thinking about short term savings. Especially when it is for something like refreshing to the newest smartphone. That is good advice that anyone in finance would agree with.
But of course what you do with your time and money is completely up to you.
You are smoking. 780 will get you near the best rates...that is excellent credit. Especially 780 w/ no debt.
You missed my point:
Say the cutoff is 760 between the top rates (according to Bankrate.com) and say that difference is .3% on your loan. Take that on a 200K mortgage. If you qualify for the top rates (say 4.7%) After 30 years you will pay $373,419.22. If you are just under 760 and add on .3%, after 30 years at 5%, you will owe $386,511.57. That is a difference of $13,092.35 over the lifetime of the loan all because you made some unnecessary credit pulls to save a few bucks. Again, it is your money and you live with the choices. But worth thinking about.
And for the record, I do like to smoke on occasion, but I also understand money.
I understand what you are saying. Is it actually a hard pull from the phone carriers? I thought they actually only ran your credit if you were trying to get a $0 down phone. I know t-mobile does that. If you want to put $0 down they run your credit, but they also have $199 down no credit checks.
Right, T-Mobile has this, but afaik, AT&T and Verizon have hard pulls when you sign up. And to be fair most creditors will likely pass by this if it is just an inquiry and not an actual new line of credit. Just depends how everything else on your credit looks. Again if it is a risk you want to take to save a few bucks, well, up to you.
And since this is way off topic I will get off my soapbox now.
LOL! You STILL missed my point, geez, reading comp is not your forte!!!!!
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Buh-bye.