macman4291

macrumors regular
Original poster
Jul 23, 2006
204
1
I got a 6s plus gold on apples upgrade program on launch day, can you return the phone and end it?
 

Cuniac

macrumors 6502a
Jan 23, 2013
502
122
Phoenix
All apple products have a 14 day return policy. But that hard credit check the Upgrade Program ran can not be returned.
 
Comment

Uguubot

macrumors member
Dec 16, 2010
97
5
Minnesota
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.

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
 
Comment

infoe

macrumors member
Oct 13, 2011
61
1
no, it should not be a debate. It is a fact that it is hard inquiry. run your equifax credit report or I can post mine and show it there.
 
Comment

Uguubot

macrumors member
Dec 16, 2010
97
5
Minnesota
Considering the OP didn't mention anything about the credit pull, not sure why it's being discussed at all...

C
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.
 
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imlynxy

macrumors 65816
Mar 8, 2012
1,332
515
I got a 6s plus gold on apples upgrade program on launch day, can you return the phone and end it?
I returned my apple upgrade this Monday, still see first payment on my credit card, no refund yet. Was told in Apple store that they reimburse everything.
 
Comment

jaybar

macrumors 68000
Dec 11, 2008
1,615
429
I purchased a phone through AUP. The phone was defective. Apple processed the return, which cancelled the loan. I reserved a new phone, as I was within the 14 day window. The new phone, generated a new loan, for which I was approved. It took about a week for the refunds and new first payment to appear on my credit card. The second phone also proved to be defective, which required the process to be repeated yet again. I expect it will take about a week for the charges to align.

If you are within the two week return window. and have purchased under the upgrade program, they will not just exchange the phone. The first loan needs to be cancelled and a new application done. Once you are passed the two week window. The phone can be replaced under apple care, if warranted. according to Apple staff.

The AUP is completely independent of my status with Verizon. My contract with VZ does not end until September. Verizon treats this as if it were a paid in full device replacement.
 
Comment

Rayy42

macrumors 6502
Oct 7, 2014
344
155
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
I think it won't show on credit karma because it is a hard pull through Experian not TransUnion or Equifax.
 
Comment

powerbook911

macrumors 68040
Mar 15, 2005
3,852
237
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.
 
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CNeufeld

macrumors 6502a
Nov 25, 2009
937
515
Edmonton, AB
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.

How are you not taking out "credit in a traditional sense"? They're setting up an interest free loan for you at Citibank, if I'm not mistaken. The default method of payment on that loan is your credit card, but you can go back and switch that once your loan is set up.

C
 
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