Hello everyone. I hope you are all well. I was speaking to some mates today about going with the apple upgrade program and they got all paranoid saying that the deal is too good and that I will go into debt and that Apple will lock me in and make me end up paying more money and it will not make me look good in terms of credit. I am in the UK and the plan seems good to me and I do not see any issues or if it will effect me negatively or not. For those of you who are more knowledgeable in terms of finances and understand the program better than me is there any loopholes in this contract and is it going to effect me badly in any way? And also those in the UK who are planning on going through with the program do you have any concerns? Thank you in advance.