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One difference in monthly payments is that Apple includes Apple care+ /24 in your monthly payment.
If you buy Apple care+ with ATT, you do so separately in one payment.

In the case of Apple, you are paying half the phone plus half the Apple care+ before you can trade in.

It looks like ATT requires you also pay half, but also $5/month if you want the option to upgrade in a year.
 
I am two payments away from having mine and my wife's iPhone X's paid off with the AT&T Next year program. We'll be leaving it for good and going to Apples upgrade program. On AT&T's program, when you upgrade, you are responsible for mailing your trade-in back to them. They won't take them in store. I did everything they asked me to do and had my trade-ins mailed back to them the very next day. It took three month's before they said that they had received my trade-in's so they kept charging me my monthly fee for my old traded-in phones while also charging me for my new phones. This occurred even though i was able to see via the tracking information that they had received my trade-in's within a weeks time of me sending them to them.

Their explanation was that sometimes there is a lag in their computer system. It then took another three months before they refunded my payments that they had charged me on my old traded in phones. That's why I am still on an iPhone X. I planned on paying these off, owning the phones outright to possibly hand down to my children or other family members, and switch to Apples upgrade program. AT&T's program is too much of a hassle.
 
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I am two payments away from having mine and my wife's iPhone X's paid off with the AT&T Next year program. We'll be leaving it for good and going to Apples upgrade program. On AT&T's program, when you upgrade, you are responsible for mailing your trade-in back to them. They won't take them in store. I did everything they asked me to do and had my trade-ins mailed back to them the very next day. It took three month's before they said that they had received my trade-in's so they kept charging me my monthly fee for my old traded-in phones while also charging me for my new phones. This occurred even though i was able to see via the tracking information that they had received my trade-in's within a weeks time of me sending them to them.

Their explanation was that sometimes there is a lag in their computer system. It then took another three months before they refunded my payments that they had charged me on my old traded in phones. That's why I am still on an iPhone X. I planned on paying these off, owning the phones outright to possibly hand down to my children or other family members, and switch to Apples upgrade program. AT&T's program is too much of a hassle.


I am in a similar boat to you except its just my phone. I have 2 payments left on my iphone X and really want to upgrade. I never did the trade in program with AT&T but have heard very similar stories to yours. Basically what I am gathering is that it would be better for me to pay off the last 2 payments today so that way I can upgrade tomorrow and keep my phone and hand it off and/or go on Apple's upgrade program? Does that sounds correct?
 
I am in a similar boat to you except its just my phone. I have 2 payments left on my iphone X and really want to upgrade. I never did the trade in program with AT&T but have heard very similar stories to yours. Basically what I am gathering is that it would be better for me to pay off the last 2 payments today so that way I can upgrade tomorrow and keep my phone and hand it off and/or go on Apple's upgrade program? Does that sounds correct?

That's exactly what I will be doing. Switching to Apples upgrade program where I can just hand them my phone in store every year instead of going through what AT&T puts you through. Too much hassle.
 
Currently AT&T offers up to $165 for an iPhone 8 64GB whereas Apple offers up to $220. I haven't compared all the others but in this case Apple is clearly the better deal. One thing I don't understand is why Apple doesn't offer more for higher storage capacity.
 
That's exactly what I will be doing. Switching to Apples upgrade program where I can just hand them my phone in store every year instead of going through what AT&T puts you through. Too much hassle.

I think I am going to pay off the last 2 payments on my phone today rather than deal with AT&T for the trade-in and shipping. Then will look to go on Apple's IUP for next year. I just wish I knew if that was the best option for me. It certainly seems like it. Question though: If I pay off the last 2 payments on my phone I shouldn't have any issues ordering the phone tomorrow through Apple, correct?
 
Now i got 2 iphone att need upgrade early

1- x = 66$ left to upgrade with trade in that devices

2- xs max = 550 $ left with trade in that devices

so --- should i upgrade att or go to apple , if i go apple i have to paid off att phone for both and cost around 1k or more >>
 
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