iPhone 11 Pro IUP Extra Payment?

CosmoPilot

macrumors 65816
Original poster
Nov 8, 2010
1,423
86
South Carolina
I joined the IUP last year because I always upgrade mine and the wife’s device every year.

Last year our Citizen One payments started on the 20th. The first payment on Sept 20th, 2018 (both phones).

Fast forward a year. Like many of you, I pre-ordered before launch and was lucky enough to have one of the phones with a 9/20 delivery date. For the second phone, it shows a 9/27-10/1 delivery.

According to Apple’s website, once the new device has shipped, the previous payment plan will pause until you send in your old device (within the allotted timeframe).

The first phone I ordered (9/20 delivery), has already departed Anchorage, yet Apple still doesn’t show it as shipped on their website. Therefore, my 13th payment on that phone is still pending.

For the second phone, since it has a delivery of 9/27-10/1, I imagine I’ll be charged on the 20th for my old phone, then charged a second time for the new phone that ships just a few days later.

I’m hoping this isn’t the case, but according to Apple’s literature on the IUP, this seems to be the case. Any thoughts?

The only way I know the 1st phone has shipped is because I have a UPS account. Think of the thousands who are only relying on Apple’s website to determine when their iPhones have shipped.

I sure hope it doesn’t turn out that thousands of us pay a 13th payment on our old iPhones even though we ordered within minutes of launch. Especially, if we receive the new phones within 30 days of our original IUP start date.

Anyone have experience with this from a year ago?
 

bruinsrme

macrumors 604
Oct 26, 2008
6,595
2,315
I saw a $90+ Charge on my cc from the on line store 9/15.

not sure what that is but I will be calling the cc company and asking for details.
 

hansenc

macrumors 6502
Jun 16, 2004
458
85
took me months to get the charge refunded last year... hope they got things figured out this year.
 

CosmoPilot

macrumors 65816
Original poster
Nov 8, 2010
1,423
86
South Carolina
So you did get charged a 13th payment and then immediately we’re charged for your 1st payment on the new phone last year?

How did you get the charge refunded?
 

Shadowbech

macrumors 603
Oct 18, 2011
5,298
1,416
Apple iPhone World
I joined the IUP last year because I always upgrade mine and the wife’s device every year.

Last year our Citizen One payments started on the 20th. The first payment on Sept 20th, 2018 (both phones).

Fast forward a year. Like many of you, I pre-ordered before launch and was lucky enough to have one of the phones with a 9/20 delivery date. For the second phone, it shows a 9/27-10/1 delivery.

According to Apple’s website, once the new device has shipped, the previous payment plan will pause until you send in your old device (within the allotted timeframe).

The first phone I ordered (9/20 delivery), has already departed Anchorage, yet Apple still doesn’t show it as shipped on their website. Therefore, my 13th payment on that phone is still pending.

For the second phone, since it has a delivery of 9/27-10/1, I imagine I’ll be charged on the 20th for my old phone, then charged a second time for the new phone that ships just a few days later.

I’m hoping this isn’t the case, but according to Apple’s literature on the IUP, this seems to be the case. Any thoughts?

The only way I know the 1st phone has shipped is because I have a UPS account. Think of the thousands who are only relying on Apple’s website to determine when their iPhones have shipped.

I sure hope it doesn’t turn out that thousands of us pay a 13th payment on our old iPhones even though we ordered within minutes of launch. Especially, if we receive the new phones within 30 days of our original IUP start date.

Anyone have experience with this from a year ago?
1st Bold sentence. This would be my 3rd year, but if I'm not mistaken, as long as you received the citizen loan approved for your new phone, you should be fine, I'm fairly certain it's in their system that you are upgrading.

I know on my 2nd year, I got charged twice because when I pre-ordered, I had to make the 12th payment at check out, and my scheduled payment date happened to be the 20th then. So I got charged twice. I didn't care but evidently when I checked my credit card statement, I got refunded the 13th payment. Yes, even if you were charged the 13th payment, they will credit you back.
 

CosmoPilot

macrumors 65816
Original poster
Nov 8, 2010
1,423
86
South Carolina
I hope this is the case (which makes since), however Apple states otherwise (at least how I read it).

https://www.apple.com/shop/iphone/iphone-upgrade-program/upgrade

From Link Above:

Do I still need to make payments for my current iPhone while I wait for my new iPhone to ship?

Yes. Once it ships, we’ll pause the payments on your current loan, and the payments for your new iPhone will begin. After we receive your old device and determine that it’s in good working condition, we’ll close out the associated loan.
 

trife

macrumors 6502
Apr 16, 2012
452
466
I was wondering about this too since my payment will automatically deduct on the 20th. Somehow I managed to get the 9/27-10/1 dates, as well.

Glad to see they'll likely refund that 13th payment.
 

Shadowbech

macrumors 603
Oct 18, 2011
5,298
1,416
Apple iPhone World
I hope this is the case (which makes since), however Apple states otherwise (at least how I read it).

https://www.apple.com/shop/iphone/iphone-upgrade-program/upgrade

From Link Above:

Do I still need to make payments for my current iPhone while I wait for my new iPhone to ship?

Yes. Once it ships, we’ll pause the payments on your current loan, and the payments for your new iPhone will begin. After we receive your old device and determine that it’s in good working condition, we’ll close out the associated loan.
Last year I was not charged the 13th payment but then I did the in-store pick up. I'm doing the in-store pick up this year as well. Oh and I checked my citizens one loan account and actually my payment is on the 21st.

Screen Shot 2019-09-18 at 8.52.11 AM.png


and I have a pick up on the 20th so likely will be the 20th for 2019 since last year launch day was 21st of September. So definitely why I don't get charged the 13th payment. I can't speak for deliveries because all my IUP were in-store pick up.
 

CosmoPilot

macrumors 65816
Original poster
Nov 8, 2010
1,423
86
South Carolina
Last year I was not charged the 13th payment but then I did the in-store pick up. I'm doing the in-store pick up this year as well. Oh and I checked my citizens one loan account and actually my payment is on the 21st.

View attachment 859675

and I have a pick up on the 20th so likely will be the 20th for 2019 since last year launch day was 21st of September. So definitely why I don't get charged the 13th payment. I can't speak for deliveries because all my IUP were in-store pick up.

The same link provided says for in store pickup, the previous loan will be suspended once you pickup the phone at the store. At least for us that have deliveries, it's based upon the ship date. However, it's still wrong in my opinion to charge us a 13th payment. Which looks to be the case for us with a 9/27 and beyond arrival date.

If we're making monthly payments, then we should get a "monthly" grace period for the new phones to arrive. If you delay purchasing beyond the monthly grace period, then the extra payments would be warranted. Also, Apple may not release a phone until Oct/Nov next year. In that case, extra payments are warranted. BUT, if we upgrade in the same month...have made 12 payments...then WE SHOULD NOT be charged a 13th payment and then a few days later get charged our 1st payment for the new phones.

Here's hoping Apple doesn't screw those of us with a 9/27-10/1 delivery date...
 

archer75

macrumors 68030
Jan 26, 2005
2,839
1,384
Oregon
They refunded the extra payment. Took a couple of months but I didn't even have to ask them. It was automatic.
 

Shadowbech

macrumors 603
Oct 18, 2011
5,298
1,416
Apple iPhone World
The same link provided says for in store pickup, the previous loan will be suspended once you pickup the phone at the store. At least for us that have deliveries, it's based upon the ship date. However, it's still wrong in my opinion to charge us a 13th payment. Which looks to be the case for us with a 9/27 and beyond arrival date.

If we're making monthly payments, then we should get a "monthly" grace period for the new phones to arrive. If you delay purchasing beyond the monthly grace period, then the extra payments would be warranted. Also, Apple may not release a phone until Oct/Nov next year. In that case, extra payments are warranted. BUT, if we upgrade in the same month...have made 12 payments...then WE SHOULD NOT be charged a 13th payment and then a few days later get charged our 1st payment for the new phones.

Here's hoping Apple doesn't screw those of us with a 9/27-10/1 delivery date...
Well luckily my payment isn't due till the 21st so I definitely won't be charged and as long as I pick up the phone on the 20th and close out the account on the 20th I'll be fine.

But come to think about it, that statement is correct because if I remember correctly last year they told me that I did not had to trade the old phone right away when I pick up the new device, since you do have 14 days to decide whether you still want to keep the old one or trade it in then.
 

Koshkaboo

macrumors member
Sep 14, 2018
53
19
I have a payment that will process on 9/21 for my current IUP phone. But, the new phone is being delivered on the 20th. I was hoping that they wouldn't process the payment for the 21st but I got an email this morning that it would be processed on the 21st. I am hoping it will at least be refunded at some point.
 

highertechnology

macrumors 6502a
Jul 31, 2009
681
210
I called citizens today with the same question. They have in their system as of ~8am that the payments for my XS have been put on hold. Same situation with my office neighbor. This was automatic. My call didn’t prompt this, it was already in their system.
 

wingnut8

macrumors 65816
Jun 8, 2007
1,287
36
So I had a payment go through a couple of days ago for my iPhone X and now today just had the payment go through for my new phone. Will I get refunded?
 

eneisch

macrumors 6502a
Jul 11, 2008
646
109
I was charged a 13th payment on my iPhone X last year a day or two before my iPhone Xs Max arrived. It took a week or two, but Citizen One refunded that payment to me without me having to do anything. I would give it a little while and see if you get credited. If not you can call them to see what’s up.
 

STOCK411

macrumors 6502
Oct 15, 2007
255
109
Same issue as others. Got my current phone on the 20th. Picking up my new phone today. Was also charged a 13th payment. Hopefully I get refunded.
 

wingnut8

macrumors 65816
Jun 8, 2007
1,287
36
My concern with mine is that I bought my X in June of 2018 and my payment was on the 2nd. Not the typical 13th payment around the same day. Hopefully I still get the refund.
 

CalMin

macrumors 6502a
Nov 8, 2007
630
116
It looks like they freeze your current loan as soon as the new loan is approved, so I would recommend checking your citizens one account.

I posted about it here.

 

MichaelMidnight

macrumors 6502
Feb 20, 2008
292
50
Los Angeles
Ugh... I got charged the 13th charge on my XS Max AND the 1st charge on my 11 Pro Max... will wait a week or so to see if anything changes or drops...
 

AppleKash

macrumors 6502
Jun 27, 2009
283
33
South Texas
Hello, I’m owed a certain amount by Citizens, for overpayment. Here’s the problem, whilst they acknowledge they owe me money they keep changing the date they will return the money. Originally they said 7-10 business from Oct 2. Then they said it would be 7-10 days from Oct 7. And finally on Oct 17 they said they are “too busy” processing refunds for several people and therefore had no idea when the money would be returned.

Anyone having any similar issues?