Upgrade programme UK

[marty1990]

Read online that in the US, the loan company performs a hard credit check on you to see if you're eligible to take a loan out for an iPhone.

As the UK uses Barclays, is the credit check the same? Can't see online but hoping it's a soft one - my brothers 6 Plus is on its way out and he doesn't wanna be tied into a contract/buy the phone outright.

Also, at least in the US, it says you need a CC? Is this the same for the UK?

 

[Applejuiced]

I'd check with Barclays cause they might do it different than Citizens bank in the US.
But again even if it's a hard pull it shouldn't effect your credit that much.
And if it hurts it that much by a pull then your credit needs improvement.

 

[MrJM]

Read online that in the US, the loan company performs a hard credit check on you to see if you're eligible to take a loan out for an iPhone.

As the UK uses Barclays, is the credit check the same? Can't see online but hoping it's a soft one - my brothers 6 Plus is on its way out and he doesn't wanna be tied into a contract/buy the phone outright.

Also, at least in the US, it says you need a CC? Is this the same for the UK?

You don't need a CC but they do perform a full credit check on you!

 

[marty1990]

I'd check with Barclays cause they might do it different than Citizens bank in the US.
But again even if it's a hard pull it shouldn't effect your credit that much.
And if it hurts it that much by a pull then your credit needs improvement.

I'm fine, just don't like the idea of a hard credit check each time. Was considering this for an upgrade each year, so would be a hit every year.

You don't need a CC but they do perform a full credit check on you!

Yeah puts me off. Battery isn't so great on my 6S, not a year old yet but it's serial number doesn't qualify it for a battery replacement. Was hoping to go for a 7 or 7S. Might just look at Android again.