Most people on this forum are stating it is a hard pull. I have a seen a couple members said it showed up as soft.
It is a hard pull. I did it myself, It did a hard pull. I contacted Citizen One, the bank doing these lones and they said it will be a hard check every time you upgrade.
because no matter if he returns the device or not, the hard pull will still show up on his credit report. it's a legitimate thing to consider when debating returning the device.Considering the OP didn't mention anything about the credit pull, not sure why it's being discussed at all...
because no matter if he returns the device or not, the hard pull will still show up on his credit report. it's a legitimate thing to consider when debating returning the device.
I think it won't show on credit karma because it is a hard pull through Experian not TransUnion or Equifax.Interesting. The guy at the Apple Store told me it would be a soft pull. I just checked Credit Karma, and it's not appearing. I get a FICO check tomorrow for the start of the month from my credit card, and I'll have to see if it shows up
Honestly, hard pulls aren't with the AUP in my opinion. You aren't even taking out credit in a traditional sense, you're using a credit card. It's a good idea program, but again you shouldn't be taking a hard hit every single year just for an iPhone. Maybe if one year you needed to use because of funds situation, but I wouldn't do it every year.