iPhone XS Max T-Mobile Down Payment increase XS MAX

Discussion in 'iPhone' started by Dominican, Nov 7, 2018.

  1. Dominican macrumors 6502

    Joined:
    Nov 23, 2013
    #1
    XS MAX 256GB - 500 Down Payment
    XS MAX 64 GB - 249.99 Down

    with perfect credit.....
     
  2. noobinator macrumors 603

    noobinator

    Joined:
    Jun 19, 2009
    Location:
    Pasadena, CA
    #2
    Define perfect? 850 FICO and 10+ years with them?
     
  3. chrismichael83 macrumors member

    chrismichael83

    Joined:
    Sep 15, 2016
    #3
    Yep I guess they had some special promo pricing BS and now its over. Great as it only lasted a little more than a month. Basically they upped the credit for 1000 per phone before a down payment and now its back own to 750 yet still on 36 months. I am a new T Mobile customer who got the XR but wants to exchange for an XS but I am not shelling out 349.99 for a 64gb when other carriers require 0 even with perfect credit. Looks like I have to port back to ATT.
     
  4. davedvdy macrumors 6502a

    Joined:
    Oct 25, 2011
    #4
    I was happy with T-Mobile for 3 yrs but this is is exactly why I went back to Verizon. They are too expensive, but
    I didn't want to shell out $500 or avg credit is 937.99 up front!!

    I paid $118 (zero down/just the tax) to get the iPhone XS Max 256...the rest is zero interest.
     
  5. Jordan921 macrumors 601

    Jordan921

    Joined:
    Jul 7, 2010
    Location:
    Bay Area
    #5
    Yea I wonder how perfect their credit is.
     
  6. davedvdy macrumors 6502a

    Joined:
    Oct 25, 2011
    #6
    He definitely fell into their "awesome credit" category, so it doesn't matter.
    $499 is the smallest amount you can pay with good to the best credit under T-Mobile for a XS Max in 256. T-Mobile will lump you into 3 categories to the reps: A, B or C, and they won't tell you what criteria is used or what scores are needed for the tiers.

    https://www.t-mobile.com/cell-phone/apple-iphone-xs-max?color=spacegray&memory=256gb
     
  7. chrismichael83 macrumors member

    chrismichael83

    Joined:
    Sep 15, 2016
    #8
    --- Post Merged, Nov 7, 2018 ---
    Yea sucks because I would have liked to stay with T-Mobile. I didn’t mind 99 down but he’ll no on 349 plus taxes which is over 430. Why so I can have a $20 payment for 36 months. Why can’t they be like the other carriers with pricing on phones. Att gives you the option of next 12 or 24 and then gives you a box to put an amount down
     
  8. nburwell macrumors 601

    nburwell

    Joined:
    May 6, 2008
    Location:
    DE
    #9
    I was never a fan of the down payment T-Mobile requires. But apparently I read somewhere that it's to keep the monthly payment down. I've been with them for a couple years and this is the first year I went with IUP over T-Mobile's EIP.
     
  9. deeddawg macrumors 604

    Joined:
    Jun 14, 2010
    Location:
    US
    #10
    Not really sure I understand the issue. Total cost is the same either way.

    Though in fairness my preference is to buy the phones outright so I'm probably a little biased.
     
  10. chrismichael83 macrumors member

    chrismichael83

    Joined:
    Sep 15, 2016
    #11
    Yea but that shows on your credit correct vs carrier financing
     
  11. nburwell macrumors 601

    nburwell

    Joined:
    May 6, 2008
    Location:
    DE
    #12
    It does. But with good/excellent credit, it's a minor hit on your score (at least from what I have seen since I routinely monitor my credit).
     
  12. davedvdy macrumors 6502a

    Joined:
    Oct 25, 2011
    #13
    If you fall somewhere in between, those hard inquiries can give you a nice nick.
     
  13. Yogosans14 macrumors regular

    Joined:
    Jun 9, 2017
    Location:
    North Carolina
    #14
    That’s why I’m sticking with my 8+. Down payment was only 172$
     
  14. davedvdy macrumors 6502a

    Joined:
    Oct 25, 2011
    #15
    Total cost is not the same if the upfront balance is put on a credit card or any non interest free loan.
     
  15. deeddawg, Nov 7, 2018
    Last edited: Nov 7, 2018

    deeddawg macrumors 604

    Joined:
    Jun 14, 2010
    Location:
    US
    #16
    I'm making the assumption that someone with "perfect credit" wouldn't be paying interest on the downpayment portion. While that could be a poor assumption, folks typically don't end up with "perfect credit" by making poor financial decisions.
     
  16. ImAnAgent, Nov 7, 2018
    Last edited: Nov 7, 2018

    ImAnAgent Suspended

    ImAnAgent

    Joined:
    Oct 11, 2018
    Location:
    My mind
    #17
    They had the zero down for the 64GB Max model but still wanted about $269 plus taxes for the 512GB model. I ended up getting my 512GB model from AT&T last week because all I had to do was pay the taxes up front which was about $58.
     

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16 November 7, 2018