This only applies to people who are going to use the IUP or carrier financing for the FIRST time to acquire the iPhone X The process with Apple requires a back round credit Check. And you must have a credit card with a good amount of monies in it ( available funds ) Carrier financing doesn’t require none of it. The thing is, if you’re looking to get the phone in Nov.3rd, these options will not Work. The process requires additional information inputed which will waste precious seconds. The only option to getting the phone in launch day, I am sorry is by buying it outright. This is something I was tying to avoid but alas , it will not happen. Carrier financing/IUP has too many steps and screens ( first time ! Not for people who are already on it ) that you can’t skip. Wasting precious time. Hopefully this will help ! So no surprises.