For those of you who got denied, how much cash advance do you have on the card you used?
This charging of an existing CC as a cash advance and pulling a credit check every time we get a new phone is bull! If Apple doesn't change this then I won't do this again. Apple should have been a lot more clear about this beforehand.
This charging of an existing CC as a cash advance and pulling a credit check every time we get a new phone is bull! If Apple doesn't change this then I won't do this again. Apple should have been a lot more clear about this beforehand.
Wait a sec, they did not charge it as a cash advance. Where in the terms would it say they would do that?
I almost want to get in on this for the possible class action.
Although we attempted four times, for now it appears that it only hit my credit score once.
There's always tax... death and taxes isn't that the saying? Unless your local laws somehow prohibit it.There's no tax.
What do you mean there is no tax? There is only no tax if you live in a state with no tax. My receipt from Apple shows 7.75% tax rate for Ventra, CA. It says on the receipt my first payment for my loan will include tax. My first payment is $92 and change, and my remaining payments are $36.58 for 23 months.There's no tax.
I almost want to get in on this for the possible class action.
no contract, but i do believe you have to trade in a phone. I'm not sure on the details, you'll have to call.Do you have to trade in a phone or sign a contract with T-mobile?
Purchase was made in Delaware. The receipt I have is $849 for the phone, $129 for Apple Care, Tax is 0, total is $978. Citizen has a charge of $122.25, which is three payments of $40.75. If you take $40.75 times 24 payments it comes to $978. I have a 64 GB iPhone 6S Plus.What do you mean there is no tax? There is only no tax if you live in a state with no tax. My receipt from Apple shows 7.75% tax rate for Ventra, CA. It says on the receipt my first payment for my loan will include tax. My first payment is $92 and change, and my remaining payments are $36.58 for 23 months.
The bottom of my receipt (below that info) shows the financed amount, first payment amount, and tax. I almost missed it.Purchase was made in Delaware. The receipt I have is $849 for the phone, $129 for Apple Care, Tax is 0, total is $978. Citizen has a charge of $122.25, which is three payments of $40.75. If you take $40.75 times 24 payments it comes to $978. I have a 64 GB iPhone 6S Plus.
Take this for what it is worth, as it is from just one Apple employee at one Apple Retail Store, however my sister was in a CA store this morning to purchase the 6S. The Apple employee told her that "A LOT" of people are being declined and that it is causing a lot of frustrations for everyone involved. When my sister asked how many "a lot" is, the employee told her that at times it felt like about half. I cannot imagine it is nearly that many, however it does sound like a significant number of people are running into approval issues with Citizens Bank.
I used the iPhone Upgrade Program this morning. All went very smoothly except I was not able to use my business AMEX card for the purchase / installment plan. When we first tried it, the Apple Store employee told me it was an issue with my card, not with my credit check. So I called AMEX and they told me I was the 5th person to call in the last few minutes with the same problem.
I can't say for sure if the hangup was an AMEX thing or if it's on Apple's end by not allowing business cards of any kind. AMEX told me there was nothing they could do on their end because of the way the transaction was being processed by Apple. They said on their end, it looks like Apple is trying to process it as a cash withdrawal and they said that's a no-go. It was very strange. I ended up just running the transactions on my personal credit card.
I am a small business owner, and the AMEX has my name on it and is tied to my credit and my SSN, but it was still a no-go. It's almost as if the process of the credit check is tied to the verification of using a personal credit card as well. I hope to be able to login and switch the monthly payments to my business card, but we'll see. My personal credit card now has two charges, one each for the two phones' first installments plus tax.
The bottom of the receipt states "LOAN IS WITH CITIZENS ONE. For information on your loan, see www.citizensoneloan.com." So this is a very unique transaction. You're basically getting a loan, then paying off that loan with your credit card.
FWIW, I have very good credit and purchased a 6S+ 128 and a 6S 128 on Verizon, while in the middle of our two-year contract. No problems on any of those fronts, and no upgrade charges.
It's been listed right there in the terms since the day the program was announced:This is a f*#king nightmare. They said nothing about t ha info to be a personal cc so of course I used my biz cc (with my name on it) as I always do. Declined despite immaculate credit. They had me call the bank who was clueless other than to say run it with personal card. But even after doing so the aup doesn't show up. Manager getting involved now. If they hit my credit twice I'll be pissed. Already wasted a lot of time.