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Who here thinks a credit score check in order to get an iPhone is ridiculous?
- Thread starter DBZmusicboy01
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Who is charging $80 a month for a phone?
And I don't think you caught any of the fine points made in this thread. Good luck with your newly financed phone or whatever the heck is happening here.
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I have to agree with the cat licking its balls. Ignoring the points on this threads is the equivalent of us telling you don't touch the pot of boiling water because it is hot and you go right along to put your hands and face on it.
Also, AFAIK, credit requirements for cell phones are usually pretty low compared to other types of loans. If your credit is that bad, you've got bigger things to worry about than getting an iPhone. Pay off your damn credit card bills, for one. Buying a brand new expensive phone is only going to exacerbate things.
Lol
There's no point.
He will never get it.
This is apparent with his history of threads that he continues to make:
https://forums.macrumors.com/threads/1466631/
https://forums.macrumors.com/threads/1440286/
https://forums.macrumors.com/threads/1462514/
https://forums.macrumors.com/threads/1526273/
... and others.
it has nothing to do with the iPhone itself, you are simply buying a $650 for $200, with the promise to finance the rest over the course of a 2 year contract, hence the credit check.
It's not Apple doing the check, it's Sprint or AT&T or Verizon or T-Mo.
It is not rediculous, history shows that those with lower credit rating are at higher risk of NOT paying up or taking the phone and not paying the bill.
I don't see how this is different than the credit check needed for car financing.
It's not Apple doing the check, it's Sprint or AT&T or Verizon or T-Mo.
It is not rediculous, history shows that those with lower credit rating are at higher risk of NOT paying up or taking the phone and not paying the bill.
I don't see how this is different than the credit check needed for car financing.
I hear you.
Its obvious what he's doing here.
He's added to my exclusive list
Mine too, helps with the signal to noise ratio.
This is the real problem right here. Responsible spending is a thing of the past. Don't get me wrong, my credit isn't fantastic or anything, but wants and needs are two very different things and most people don't really NEED an iPhone.
Any prepaid one, I've used prepaid plans on both AT&T and T-Mobile in the US, Fido and Virgin Mobile in Canada, along with various other foreign carriers and never once had to get a credit check for a plan.
I'm all for helping people get ahead on though situations. But I see this all the time I go to the supermarket/costco/sams... Here around ~50% of people received aid so I see the food stamp card a good amount. My issue comes with people that buy better and more expensive food, like some great cuts of meat that I couldn't afford to eat daily for example, then they pay $40-50 cash for crap food and most of the time alcohol too and have expensive phones too. I can't blame the politicians, that is how they get easy votes. I think there should be a limit of years to get aid if you fall at a certain age and health. I can't blame the ones receiving the aid neither, why work when the government gives you more benefits than low paying jobs, it doesn't make mathematical sense to work.
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TS don't complain if you can't get the phone outright and don't have a credit score then how can they offer you a cheaper phone w/ a plan when they don't know if you can pay them for the two years.
I bet there are other phones you could afford.
HA! The first iPhone 3G that I bought, the AT&T store would not let me purchased it with cash, they said I had to use a credit card. How about that! So much for that legal tender for all debts, public and private.
Like me or hate me, it's hard to really disagree with a cat licking his balls.
Yup...
(I know you know the answer)
Yes, there are MANY who still don't understand. If I had a $1 for every person I heard say, "VirginMobile's iPhone is such a ripoff! $540 for an iPhone?! I'm going with Sprint and get their iPhone for $99!" I'd have enough to buy an unsubsidized 64GB iPhone 5.
First of all the 16gb Ipad retina with cellular is 649.00 Plus tax. The 16gb Iphone without contract is the same price.
You keep talking about a loan, but this is not a loan, this is the contract for the data plan and minutes for the phone service. Now if you can't afford the data plan and the phone service contract, you should not be buying a phone like this.
If you were to buy the phone in cash, you would not pay any less for the same contract.
(I know you know the answer)
Yes, there are MANY who still don't understand. If I had a $1 for every person I heard say, "VirginMobile's iPhone is such a ripoff! $540 for an iPhone?! I'm going with Sprint and get their iPhone for $99!" I'd have enough to buy an unsubsidized 64GB iPhone 5.
You know there's a side effect of being tricked into thinking that your iPhone only cost $99 -- people treat them like cheap toys. How many people do you know walk around with a cracked iPhone screen? Now, yes, accidents can happen to anybody, but some people seem to have far more "accidents" than others. I know one kid who literally cannot read the screen of his iPhone without squinting but for the shattered glass in front of it. His iPad also has a nice big crack down the middle. You can be sure he didn't pay a penny of his own money for either of them.
If people paid the full $699 for their phones, they'd surely take much better care of them.
Interesting how you bring the economy into this OP. Laissez-faire credit-handing is what landed the economy into trouble in the first place. Needless to say, companies are a lot careful now with whom they do business.
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Yep. Same people who have XBOX360's or PS3's with controllers, games, and accessories. Or rebuild hot rods and buy car parts. Or have designer jackets or handbags. Did you really need that Lexus when a basic Toyota would get you from point A to point B just the same? Do realize how much money you've spent on Starbucks, smokes, or drinks at the local pub?
We all spend all kinds of money on things we don't "need".
Yup I'm a college student and am probably the only one on campus with a cheap dumb-phone on a pre-paid plan. I keep wanting to go ahead and get a smartphone, but I can't bring myself to do it not even the now 200 dollar nexus because I simply cannot justify the purchase at all. The way I see it, the money that would go into it would be more wisely spent on needed supplies like textbooks and public transportation in nyc is anything but cheap.
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On a side note, can phones be purchased in cash through carriers?
Same here. Except it was for the iPhone 2G. So I just gave the money to my dad and he used his card. He was paying half for it anyway.
I paid for my iPhone 4 myself though.
I've also been building my credit myself for the last few years. And now I qualify for all the really nice credit cards. Pay them off entirely every month and get pretty good bonuses, like cash back and free Amazon spending money.
Carriers can't afford bad customers, and that's why credit checks are there. They need to know if you're even paying your utilities, car, and house payments on time before they expect you to agree to their terms and pay them.
You go without paying for two weeks and your account is a goner on prepaid. You have to get an entire new SIM and number for your handset. Post-paid people can be late for three weeks and they'll be fine with it. I'm late ALL THE TIME, but they don't post me any late fees, and I'm allowed extensions as needed.
I think for a while (possibly still? not sure) they were restricting cash sales to prevent people from walking in, buying a phone, then sending it to some other country to be sold for profit. Repeat hundreds of times. At least with a credit card they can keep track of how many phones you have bought, and stop you from buying too many.
