You are correct. If you are eligible for upgrade it only gives you upgrade option. None for buying full price without extending contract.
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How in the WORLD do I get a Verizon iPhone 5S device only?
- Thread starter AndrewR23
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You are correct. If you are eligible for upgrade it only gives you upgrade option. None for buying full price without extending contract.
Cell phones only affect your credit if you miss a payment. Go ahead and run a credit report on yourself, you will see zip about cell phone companies. They only check your credit to see if youre likely to miss your payments or not.
So upgrading or opening a line or whatever does nothing to your score. At least if it does, nothing to the point you'll lose a mortgage. lol.
So upgrading or opening a line or whatever does nothing to your score. At least if it does, nothing to the point you'll lose a mortgage. lol.
They price matched Apple for me when I told them. They sold it to me at full price but wanted it activated in store.
Update ! I called 4 different apple stores. They all said if you want device only. To be in line at the store 2 hours before they open. They will then hand you a card and you just hope they have the card you want.
Finally. An. Answer. That. Makes. Sense.
Quote Edit
Finally. An. Answer. That. Makes. Sense.
Quote Edit
I just walked into an Apple store in my area (Chicagoland) and got a Verizon 5S as device only. About 8 PM. It probably varies wildly by store / area. I'm on AT&T and bought an AT&T 5S at full retail last week. Tonight I exchanged my AT&T 5S for the VZW 5S, no issues at all and no cards were being handed out. There was the typical line that sometimes forms of people waiting to be helped in general, but nothing for the phone. When they got to me they did a return and re-purchase of the VZW phone as device only.
That's one of the biggest downfalls of Apple.com. I see no reason why they should do that. I know next year I'll be upgrade eligible. I guess I'll be purchasing from Verizon in order to keep my unlimited data.
verizon in store or online will have no issue place a full price order regardless of upgrade status
You are so wrong. They absolutely WILL run your credit when you sign up for new service. It's called a "Hard Inquiry." Hard pulls stay on your report for 2 years and affect your FICO score for 1 year. Also, if you miss a cell phone payment, it needs to be past due for a certain amount of time (generally 60-90 days) before the company then sends it to a collection agency, who will try to contact the customer for payment, and then will report the negative account to one or all three credit bureaus.
Verizon worry free guarantee is 14 days. If you cancel her upgrade and return the device within 14 days there will be no ETF and her eligibility will be reset. HOWEVER!! if the device is not returned within the first 72 hours, then the upgrade fee will remain, which is $30. Finally, if the line that is eligible for the upgrade is a "basic" phone, since you would be upgrading to a "smart" phone, there will be a slight amount of proration since you are technically adding a data plan to that line. But it should be +/- $10.
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As someone who worked for Best Buy Mobile, then for a corporate Sprint store, this is 100% correct. It will be a hard pull on your credit report to see if you are eligible for service with that carrier. That's where the deposit amount and, for Sprint, the spending limit is deciding on.
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As someone who worked for Best Buy Mobile, then for a corporate Sprint store, this is 100% correct. It will be a hard pull on your credit report to see if you are eligible for service with that carrier. That's where the deposit amount and, for Sprint, the spending limit is deciding on.
i didn't say that signing up for cell service doesn't involve a credit check. It does. Does it do it to the point where you disqualify for a mortgage? No. One hard inquiry will not ruin your FICO score. Now if you sign up for 4 credit cards a year then yes, it will. I accept maybe one credit card offer per year and my score has never dropped.
I was not wrong about cell phone companies not reporting anything positive to your FICO score. They only negatively affect your score when you miss a payment. Check your credit report, you get points for paying your credit cards, loans, mortgages on time, but nothing from the cell phone company. So no, read what i say next time.
Ahh a fellow credit guru. This information is correct. Sometimes though if you've been with a telecom company before and depending on how long ago it was they will run a internal only check to see how your payment history was when you were a customer. However, most of the time it will result as a hard inquiry on your credit report.
A hard inquiry will hurt your credit score temporarily. Period. It can hurt your mortgage which is why they say if you plan on applying for one do not apply for ANYTHING. It will have the biggest impact within the first 6 months. After a year it isn't factored into your score and after two year it falls off your report. You are correct about cell phone companies only reporting the bad onto your credit report however. The good does not show up like a typical account upon which credit is issued.
Yay I love finding fellow credit gurus! +1 to this post. If you apply for ANYTHING credit wise when you're in the market for applying for a mortgage or in the process of one, then you absolutely can lose the chance of getting that mortgage with your lender. Hard inquiries are aka seeking new credit. A mortgage lender will absolutely frown upon anyone seeking credit at the same time as seeking a mortgage. Unless you are at 800-850 FICO, chances are you will either loose your chance at that mortgage or at the very least risk your interest rate going up and costing you thousands over the years. Ok, I think I've had enough posting about credit in macrumors, I'll save it for myfico