Results probably not typical. YMMV. Curious if anyone else experienced this though. Went into the Apple Store for my 8am reservation for my iPhone 6S Plus 128GB. All went smoothly until the final step after I put my SSN and other details into the approval system. The system said something like "purchase exceeds financing limit." Strange, since I have a high credit limit (5 digits, way larger than the $130 initial payment you have to do) and flawless credit. It was financing it for $1170, the full price of the 6S Plus 128GB, so the Apple sales rep told me to contact Chase to see why it was declined. Chase call #1 — Chase said they didn't even receive an authorization for the purchase, but put on a high spending note anyway. Tried it again, no dice - same error message. Trying another card — Okay, trying another credit card, this time from Bank of America. Went through the entire process again. Same error message. Chase call #2 — This rep has no idea what is going on and is confused about why I'm financing a purchase on my credit card. Tells me to contact Citizens One (the bank financing the iPhone upgrade program) because the error isn't on their side – they aren't even seeing an authorization. Citizens One — Rep says I have 3 tries per card before I have to wait 30 days. Says that their financing limit is $4000 so as long as I'm under that, and my credit can accommodate the next 3 months of payments, it should go through. Tells me to contact Apple. Gives me a phone number for Apple Financing that goes to "not in service". Nice. Trying again — Decided to give it another shot with my Bank of America card so we could get another look at the error message. This time it changed. Now it says "Customer ineligible for Apple Offers." Apple — Enter the twilight zone. Apple rep has no idea what is going on. When I ask to be transferred to whoever is responsible for Apple financing, they say it's the person in the store. Oh yeah, brilliant! I ask again to be transferred and they say they don't have anyone to transfer me to and that I need to contact Citizens One about why it's not going through. Thanks Apple. The store rep was incredibly nice and patient for the HOUR that this took and she said I should pay outright to secure my reserved phone, figure it out with Apple, and then come back in a week so they can do a return and then set up the financing program again. What a nightmare that was.