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re: Apple keynote hype thread
Posted on 9/9/16 at 1:54 pm to Dam Guide
Posted on 9/9/16 at 1:54 pm to Dam Guide
Nope...I almost did what you did and reserved for the silver. Kind of regretting it now to be honest. It's just for a year, I could throw a case on it. Although I really, don't like the white faceplate.
Apple has done gone and pissed me off.
Curious if they will have to do another credit check. Can't remember if that hit my credit report last year or not.
Apple has done gone and pissed me off.
Curious if they will have to do another credit check. Can't remember if that hit my credit report last year or not.
This post was edited on 9/9/16 at 2:11 pm
1
Posted on 9/9/16 at 3:26 pm to Lazy But Talented
Lawsuits are being mentioned, every month you keep your phone past 12 months is basically pissing away money if you want to upgrade. There is no discount if you go 13 or 14 months, you have to make 1 or 2 more payments that you don't get back when you upgrade. Only other option is to just go 24 and pay the thing off. They basically just robbed a frick ton of people with this plan.
I'm not too concerned about the credit ping, I got really good credit and don't foresee any purchases that require anything more than what I have with/without the ping.
I'm not too concerned about the credit ping, I got really good credit and don't foresee any purchases that require anything more than what I have with/without the ping.
This post was edited on 9/9/16 at 3:27 pm
Posted on 9/9/16 at 3:59 pm to Dam Guide
But an inquiry stays on your report 2 years, so a yearly upgrade would stack them up.
When I attempted this morning I could only do one line at a time, so it wasn't clear if they would do one inquiry for both.
When I attempted this morning I could only do one line at a time, so it wasn't clear if they would do one inquiry for both.
Posted on 9/9/16 at 4:03 pm to Dam Guide
quote:
every month you keep your phone past 12 months is basically pissing away money if you want to upgrade.
This thought just came to my mind...Since it'll take another month or two for them to get them in stock for me to buy...by the time the new phone comes around I'll be screwed over and either have to wait 2 more months or make two more payments?
Posted on 9/9/16 at 4:14 pm to Lazy But Talented
Think I am just going to do buy out right until they get this shut ironed out. It's easier to just sell the old one on eBay every year than this garbage.
Posted on 9/9/16 at 5:49 pm to Dam Guide
Anyone checking out Verizon's trade in special? Looks like if you trade in a 6 or 6S you get $650 toward a 7. I may look into this.
Someone mentioned bonus data if you upgrade?
Someone mentioned bonus data if you upgrade?
Posted on 9/9/16 at 6:45 pm to Brettesaurus Rex
2gb for a new line I think.
Thinking about doing the trade in as well.
Thinking about doing the trade in as well.
Posted on 9/10/16 at 12:24 am to Engineer
quote:
Engineer
quote:
But an inquiry stays on your report 2 years, so a yearly upgrade would stack them up.
I've pulled thousands of tri merge credit reports with all three bureaus reporting in order to evaluate creditworthiness in just over the past decade or so.
I've never-not once-worried about how many credit pulls you've had unless the bureaus reflected a ginormous amount in a short period of time.
You're waaaaaaaaaaaaayyyyyyyyyyyyyyyy over reacting to a credit pull Bro.
Posted on 9/10/16 at 8:45 am to GFunk
No kidding, why even worry about your credit if you have no interest in actually using it.
Posted on 9/10/16 at 11:16 am to Dam Guide
I'm not worried about affecting score, but their program is set up poorly if they have to do one yearly.
Unless the finance company changes they shouldn't need to pull one yearly if you are already enrolled and they have established credit worthiness.
Also, if you have to upgrade each line individually and you have 4 lines with an annual pull, it would be a lot of inquiries. Not sure if this is how it works or not, but it wasn't clear in their terms.
Unless the finance company changes they shouldn't need to pull one yearly if you are already enrolled and they have established credit worthiness.
Also, if you have to upgrade each line individually and you have 4 lines with an annual pull, it would be a lot of inquiries. Not sure if this is how it works or not, but it wasn't clear in their terms.
Posted on 9/10/16 at 12:14 pm to Engineer
Then just pay with cash and trade it in or sell each year. If your credit means that much to you, you shouldn't be financing luxury items like a cell phone.
Posted on 9/10/16 at 5:45 pm to Engineer
It's a new loan every year, that's what happens when you create a new loan.
Posted on 9/10/16 at 5:55 pm to Dam Guide
Right.. Read the first few words of my previous post.
It was one of the many reasons I said I upgraded through verizon rather than apple's program. I agree with you that it needs work and somehow this has turned into me being insecure about credit.
Posted on 9/10/16 at 6:09 pm to Engineer
Apple doesn't run the loans, a bank does, I don't think they want that responsibility. It's really the only way for them to do it without a big headache for them. They just need a more efficient system to upgrade for program users.
Posted on 9/11/16 at 12:17 pm to Engineer
quote:
I'm not worried about affecting score, but their program is set up poorly if they have to do one yearly.
Unless the finance company changes they shouldn't need to pull one yearly if you are already enrolled and they have established credit worthiness.
Also, if you have to upgrade each line individually and you have 4 lines with an annual pull, it would be a lot of inquiries. Not sure if this is how it works or not, but it wasn't clear in their terms.
quote:
Engineer
Saw what you said. No offense but it's a fundamental misunderstanding of credit inquiries and their impact. Whether their program is poorly hashed out in terms of the fine print or otherwise, your concern is overblown on a massive scale.
No worries though. Not trying to bash. Spend some time on the Money Talk. Great place to learn.
This post was edited on 9/11/16 at 12:18 pm
Posted on 9/11/16 at 4:52 pm to Brettesaurus Rex
quote:
Anyone checking out Verizon's trade in special? Looks like if you trade in a 6 or 6S you get $650 toward a 7. I may look into this.
Can confirm
I have an iPhone 6 and just went into Verizon today to request the upgrade to the iPhone 7 Plus (128gb, matte black). The special took my monthly payment from $35 to around $8.
Posted on 9/11/16 at 8:23 pm to alabamabuckeye
Best place to trade my old phone in if I ordered through Apple this time?
Posted on 9/11/16 at 10:12 pm to alabamabuckeye
What if I trade in my 5c
Posted on 9/12/16 at 9:58 am to Uncle JackD
quote:
Best place to trade my old phone in if I ordered through Apple this time?
I've seen the website Swappa thrown around a good bit recently. I've never used them before though.
Posted on 9/12/16 at 10:49 am to alabamabuckeye
quote:
Anyone checking out Verizon's trade in special? Looks like if you trade in a 6 or 6S you get $650 toward a 7. I may look into this.
Can confirm
I have an iPhone 6 and just went into Verizon today to request the upgrade to the iPhone 7 Plus (128gb, matte black). The special took my monthly payment from $35 to around $8.
i just looked at it. it's the new version of the 2 year contract. they spread out the credit over 2 years. if you don't keep it the whole time, it looks like you forfeit the credit.
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