iPhone Upgrade Program as a student (UK)

[JamesMarsh]

So I'm considering going onto the program soon but whilst my credit score is good and has no issues i have very little history, am not a property owner nor have a credit card. The only credit I have is my overdraft which I haven't used. Will I just get rejected or are Barclay's not that strict?

 

[jgiannakas]

They asked me for my annual income when applying in store. So this might or might not be a problem for you depending on whether you work or not.

 

[JamesMarsh]

They asked me for my annual income when applying in store. So this might or might not be a problem for you depending on whether you work or not.

Yeah that might be an issue, as I doubt they count loans as income. I have a bursary but nit sure if that counts or would be significant enough.

 

[jgiannakas]

As the loan is not secured against your device you might get rejected I would think.

Or why not try the O2 or EE annual upgrade plans? I would think it might be easier as the plan doesn’t go through a bank?

 

[JamesMarsh]

As the loan is not secured against your device you might get rejected I would think.

Why not get it under the O2 or EE annual upgrade plans? I would think it might be easier as the plan doesn’t go through a bank?

Or give Apple a call and check whether you’d be likely to be rejected? They should be able to advise id think.

I already a sim only contract from BT I use with my current phone- I think I’ll still have about 6 months left. Plus AppleCare is far more appealing than having to send my phone to a carrier for a repair. Could be an option though.

Yeah I’ll probably try that, thanks.

 

[jgiannakas]

I already a sim only contract from BT I use with my current phone- I think I’ll still have about 6 months left. Plus AppleCare is far more appealing than having to send my phone to a carrier for a repair. Could be an option though.

Yeah I’ll probably try that, thanks.

Or couldn’t your parents help out by getting the loan in their name & setup the DD to your account?

 

[JamesMarsh]

Or couldn’t your parents help out by getting the loan in their name & setup the DD to your account?

Potentially yes but I’m not sure their credit score is sufficient. I called Apple and they seem to think it wouldn’t make a difference as long as my Experia score is good.