Question for the Apple Fan(s) on the iPhone Upgrade Program. I'm 19 and haven't really established my credit that much. I've been hearing that when I come to upgrade my phone they are going to create another loan and cancel my old loan w/ trade-in. Is it possible to not qualify the second time and I'll just be stuck with this one loan for 24 months? I also heard when I go in I'll have another hard credit inquiry. And lastly but not least can anyone tell me if they know if upgrades are possible on Apples website or will it have to be in-store?