Just thought I'd post my two cents having just got back home from the Apple Store.
Signed up for a reservation. Got there. Front of the line quickly. Got the phone and began the checkout process and notified them I wanted to do the iPhone upgrade program.
I have a 724 credit score, a barclaycard through Apple, and a $4,000 available balance on that card with a combined household income of over $80,000.
I was declined. At first everyone was getting declined. Then some started to work. Mine didn't. They attempted 3 or 4 times with absolutely no luck.
It immediately added a hard inquiry to my credit score. Although we attempted four times, for now it appears that it only hit my credit score once.
I'm beyond upset and will anxiously be awaiting my letter from the bank to find out why I was declined. I personally believe it was a system communication error. And that maybe I was approved but the system just didn't show it. I'm tempted to go back and try again tomorrow just to see if it was a launch-day-8-am issue or not.