How do you figure that? Your new phone at month 13 will not be free. It will most likely be at a higher rate than the first 12 months, otherwise to get off the treadmill you have to pay off months 14-24?
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iPhone Upgrade Program Pre-Approvals Now Available Ahead of iPhone X Launch
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How do you figure that? Your new phone at month 13 will not be free. It will most likely be at a higher rate than the first 12 months, otherwise to get off the treadmill you have to pay off months 14-24?
I talked to Verizon. They said issue is not them and blamed CitizenOne.
I talked to CitizenOne and they blamed Apple.
I talked to Apple and they blamed a known issue that their tech team is working to fix. Said would be fixed in 1 hr. It’s been 20hrs and not fixed.
just wanted to contribute, too.
Froze credit reports at all five agencies due to the Equifax hack. Went to get the iPhone upgrade preapproval and was successful without needing to unfreeze my credit at any of the five agencies.
Froze credit reports at all five agencies due to the Equifax hack. Went to get the iPhone upgrade preapproval and was successful without needing to unfreeze my credit at any of the five agencies.
Did Citizens close out loan since PIF or just apply payment so you have credit ticking off until 24 months. Upgrade eligible if paid off loan ?
Hmm I have no idea. I'm looking at my loan page online and it doesn't have much information. It shows a zero balance and a $0 next payment due, it almost does look like its not closed out but fully paid.
Good that says zero and letting you go thru preapproval instead of applying for new.
Yah after talking to Citizen, they had the wrong SSN. Had to submit a copy of my card, but they could not gurantee the change will happen before preorders are available.
I had this option too, but decided not to do it. Feared this could create a problem in the future. Keep us posted tho.
I received my pre-approval yesterday and today Equifax recorded the credit hit from Citizen One. Just FYI. I don't believe this hit affects my credit score but it is registered.
If you've paid off your phone, you have completed the program. You will have to apply again.
Question about the credit check process. With the whole Equifax situation I put a credit freeze on their site. I tried to unfreeze it before going through this pre-approval process but the site was down. Decided to go for pre-approval anyway and it worked fine somehow. Once that was done, I went ahead and put a freeze on the other two Experian and TransUnion. Just wondering, does pre-approval mean they have checked my credit score and approved for the loan and it won't be required on 10/27 or will they check again? Would be good for folks who got pre-approved to know if they should unfreeze their credit scores before trying to buy Fri morn. Thanks!
Question about completing the order...
My husband and I are both in the AUP and have gotten the pre-approval through the Apple Store app, on our current respective phones.
Luckily I work nights so I will be awake to complete my order at 2:01(CST)
Due to my husbands work schedule, he will not be able to complete his order at that time. I also will not be able to have his phone.
Can I bring his iPad to my work, to complete the order for him?
I opened the app on his iPad, and it doesn’t show the pre-approved banner like the phone does. It says to return to the app on the iPhone on 10.27 to pre-order.
I would think that it shouldn’t matter which device is used as long as I’m logged into the correct account.
Does anyone know if it will be possible to complete his order on his iPad, or even the Apple website?
My husband and I are both in the AUP and have gotten the pre-approval through the Apple Store app, on our current respective phones.
Luckily I work nights so I will be awake to complete my order at 2:01(CST)
Due to my husbands work schedule, he will not be able to complete his order at that time. I also will not be able to have his phone.
Can I bring his iPad to my work, to complete the order for him?
I opened the app on his iPad, and it doesn’t show the pre-approved banner like the phone does. It says to return to the app on the iPhone on 10.27 to pre-order.
I would think that it shouldn’t matter which device is used as long as I’m logged into the correct account.
Does anyone know if it will be possible to complete his order on his iPad, or even the Apple website?
Done!
Not if I beat you to it ;-)
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I suggest you go ahead and upgrade. Then (after you receive the new phone), tell them you no longer have the phone. The most they can do is ask you to payoff the remaining debt you owe them.
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With Upgrade program, you rent your phone for a year, and during that time you pay off roughly half of the price of the phone via monthly payments to Citizen.
Then, in a year, you turn it in. The current loan is closed out. And you start all over again fresh with the new loan for the new phone.
They’re temporary authorizations to make sure you can cover the cost of the phone, not charges. They’ll fall off soon.
Good hell... I love the internet.
No... I don't think my credit will be significantly affected by another small installment loan.
I do know that the extra time to signup for the upgrade program would have cost me getting an X on Nov 3rd. (Which I was able to successfully order last night)
Instead of doing a credit pull every year, I will just continue to buy the phone outright each time and give my parents my old one.
That was my point...
Congrats on being so "well-versed in credit." Maybe you could teach me sometime.
Congrats!!! That is awesome news! I hope you are enjoying your X as much as I am!