I think we should agree to disagree.. when you keep trying to put words in my mouth.
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iPhone Upgrade Program Causing Headaches for Some Launch Day Customers
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I think we should agree to disagree.. when you keep trying to put words in my mouth.
If you are having issues getting approved, the problem might be that most representatives at the store auto-fill the fields just before swiping your credit card and these default to the main line on your service provider account. I was shocked when my card did not go through 2 times until I realized that I had never input my personal information and so I asked the representative to go back two screens before all the terms and conditions and we found that all the fields had been filled with my father's information instead of my own which are not the same details attached to my credit card.
This should solve a lot of the issues having to do with credit approvals as they don't require amazing credit or anything for this type of loan.
They suggested calling the bank as that is what they default to but chances are that it's just mis-auto-filled information.
This should solve a lot of the issues having to do with credit approvals as they don't require amazing credit or anything for this type of loan.
They suggested calling the bank as that is what they default to but chances are that it's just mis-auto-filled information.
So how do you explain Greece and the other massive bailouts? Entire governments on the verge of fiscal collapse.
It's just a matter of scale, so it's true no matter the amount. You can try to deny it if you want to justify a superior attitude and patronizing comments to others on the forum. But it's empirically true.
Because it's 0% interest. There's really no point in fronting $900 if you don't have to.
I ended up going with the iPhone upgrade program and didn't have any problems with it this morning. I could have bought it outright, but it just made sense to me since I'm guaranteed a new phone every year. Sure, I could sell the phone on Craigslist if I bought it outright, but in this case I don't have to worry about the hassle of trying to find a buyer, I know apple is there.
I was approved immediately, my wife with BETTER credit (800 fico vs 780), was deemed ineligible.. Pissed us off! Tried with Barclay card account that I used, nope. Retried with Alaska airlines from BofA with $11,000 full open credit, nope. Set it up under myself, with same Alaska airlines card, immediate approval. We called citizens one and they cannot give us info until 24 hours..
5% return on 400 is $20 bucks.....So you are correct there is a return. I just don't see the point. We are allowed to have opinions correct? Just because we disagree doesn't mean that I think you have an attitude...
In America, credit cards are a step in credit. If you can responsibly manage a $2,500 credit card line, it's evidence that you can handle a $25,000 car loan and a $250,000 mortgage. In Europe, you simply can't get nice things like this.
I also seem to recall a massive disaster with Spanish mortgages...
The upgrade program is essentially a lease on the phone. You're paying off a portion of the phone, and then giving the phone back after a year to get another phone, and you start paying the new phone down.
If you're ever leased a car it works basically the same way. The finance company determines the residual value of the phone, and how much they need to get on payments before it becomes a money maker for them. Then they base the payments on that. If you decide after a year that you'd like to just keep the phone instead of upgrading to a new one you just keep making your payments. After another year the phone is paid off, and you have financed it for free. You can then either keep "driving" the phone, or sell it (or trade it in) for the current value.
And you do realize that paying the entire thing in cash or all at once does nothing for your credit score nor FICO score, correct?
BL.
Actual— I got a receipt for it.
The point's moot though; it's just Apple charging sales tax on the device and adding it to the first monthly installment.
Also, even though during the past 2 weeks I got 2 positive confirmations from Apple, if you have a business account with a phone carrier, you cannot enroll in the program, even using a personal credit card and/or credit.
It was VERY frustrating to find that out his morning at the store when there are NO mentions of that anywhere. Apple employees seemed puzzled and super confused. I mean, they had 2 weeks to prepare and that was never mentioned or brought up?
It was VERY frustrating to find that out his morning at the store when there are NO mentions of that anywhere. Apple employees seemed puzzled and super confused. I mean, they had 2 weeks to prepare and that was never mentioned or brought up?
With T-Mobile I end up paying $376/year for a 64GB iPhone 6S+, turn the iPhone in and get the next new iPhone. That breaks down to $23/month + $99.99 up front. I don't have to worry about selling the phone after 12 months.
Ahh man, anyone remember and miss the days of walking in, paying $200 bucks and walking out with a phone? Yeah, they said customers don't want contracts, because they are difficult.
Right.
I'll take a 2 year contract over all this mess. It really makes me nervous when my contract is up for the iPhone 7. I'm not looking forward to that at all.
Right.
I'll take a 2 year contract over all this mess. It really makes me nervous when my contract is up for the iPhone 7. I'm not looking forward to that at all.
You are correct. I guess if you are a student trying to build credit it can help. I'm going to guess you are a student?
The best part is if I end up keeping the phone, I end up only paying $678 for the iPhone instead of $849. So yes, the competition is good for us and to some extend even more affordable.
Enrolling in the iPhone Upgrade Program requires visiting an Apple Store. Apple states you must be at least 18 years old and bring your current iPhone, a valid personal credit card, your personal information and two forms of identification and your carrier information, such as your wireless account password. The full terms and conditions are posted on Apple's website.
Article Link: iPhone Upgrade Program Causing Headaches for Some Launch Day Customers
I too had big problems at the Apple store this morning. My appointment was at 8:30am MST and the whole Apple Upgrade programs was crashed when I was there. First they couldn't even access my AT&T account because my AT&T and Direct TV bills are bundled. I was told they could NOT sell me my 2 iphones under the Apple upgrade program and I would have to go through AT&T to get them. Luckily I had a credit card on me and just bought them both outright. Then Apple couldn't get the connection with AT&T to work on my phone. Luckily some AT&T reps were on standby to fix that problem. The AT&T rep got a message that the Apple upgrade program had crashed nation wide.
I can only imagine how many angry and disappointed customers there are today.
The good news is I'm sitting here enjoying my new iPhones now
The biggest incentive for me was the included Apple Care as part of the iPhone Upgrade program. Turns out, it is not included. They still charge you for it. The website is quite misleading! Here is the wording that confuses me:
So as an example, the pricing for the iPhone 6s space gray with 128GB capacity then ends up being $849 + $129 (AppleCare+). + tax. Rather than just $849 being financed.
So to me this is very misleading and I'm not satisfied with the way the website
http://www.apple.com/shop/iphone/iphone-upgrade-program makes this out to be.
Edit: I should be more clear the $40.75 monthly payment (23 month) is accurate, what they don't mention is the first installment of is actually $108.67 rather than $40.75. This is in California.
With AppleCare+ included, you get up to two years of hardware repairs, software support, and coverage for up to two incidents of accidental damage (AppleCare+ for iPhone 6s and iPhone 6s Plus is $129 when sold separately).2 If you have questions about using your iPhone or just want to know how to set up email, we’re here to help.
Notice also the features advertised and no footnotes:
- Get a new iPhone every year
- Unlocked — choose your carrier
- Low monthly payments
- iPhone protection with AppleCare+
So to me this is very misleading and I'm not satisfied with the way the website
http://www.apple.com/shop/iphone/iphone-upgrade-program makes this out to be.
Edit: I should be more clear the $40.75 monthly payment (23 month) is accurate, what they don't mention is the first installment of is actually $108.67 rather than $40.75. This is in California.
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Call your CC Company in advance let them know your going to swipe for a possible cash advance/purchase from Citizens One... I was declined 3 times then I got a text message and approved it and it worked.
Free Text Msg: Citi Cards Fraud Dept.Did you attempt a charge at IPHONE CITIZENS in the amount of $109.74 on 09-25? Yes,reply 1, No,reply 2.You may also call 8003866624 and enter pin ******. To Opt-Out reply STOP.
Free Text Msg: Citi Cards Fraud Dept.Did you attempt a charge at IPHONE CITIZENS in the amount of $109.74 on 09-25? Yes,reply 1, No,reply 2.You may also call 8003866624 and enter pin ******. To Opt-Out reply STOP.