topic Re: Citizens One Loan for Apple Upgrade Program in Credit Card Applications

Citizens One Loan for Apple Upgrade Program

Anonymous — Fri, 27 Oct 2017 17:44:25 GMT

Just wanted to share this. If you have a bankruptcy on your record you will be instantly denied. So either go with your phone plan’s credit option or pay the full price. A hard pull and a definite decline if you have a bankruptcy

Re: Citizens One Loan for Apple Upgrade Program

SomewhereIn505 — Sat, 28 Oct 2017 00:43:38 GMT

@Anonymous wrote:
Just wanted to share this. If you have a bankruptcy on your record you will be instantly denied. So either go with your phone plan’s credit option or pay the full price. A hard pull and a definite decline if you have a bankruptcy

Thanks for the warning and I’m sorry you were declined. Last night I actually got in with my carrier right away while Apple Store app and Apple’s website had not come up yet. The only good thing with carrier’s plan is they are at 0%. Hope you get your new phone soon!

Re: Citizens One Loan for Apple Upgrade Program

CreditCuriosity — Sat, 28 Oct 2017 05:05:40 GMT

Ordered the Iphone X this morning set alarm what a PITA.. I didn't do the credit you are referring to although ti was a 2-3 hour ordeal. With that said will be getting it on the 3rd of Nov. and just finished it through at&t at 0% for 24 months and will pay it off within the next few months. Grateful I have good enough credit with them or other lenders to do this. I tried to even PIF 1k+ on whathever CC and the site was a nightmare so just went on chat and did it within 20ish mins with at&t.

Re: Citizens One Loan for Apple Upgrade Program

Anonymous — Sat, 28 Oct 2017 18:15:21 GMT

oh yes, i actually bought 2 and paid in full. I didn't know you could get the at&t plan and pay it off quicker. I always thought you were stuck with 24 payments and while that isn't any more expensive, i don't like monthly payments in my life anymore.

Re: Citizens One Loan for Apple Upgrade Program

Anonymous — Sat, 28 Oct 2017 18:16:15 GMT

it's ok, i wasn't sure if i wanted to be on the plan - ever since bankruptcy 3 1/2 years ago, i try to stick with zero debt.

Re: Citizens One Loan for Apple Upgrade Program

CreditCuriosity — Sat, 28 Oct 2017 22:44:21 GMT

@Anonymous wrote:
it's ok, i wasn't sure if i wanted to be on the plan - ever since bankruptcy 3 1/2 years ago, i try to stick with zero debt.

That is a good plan if you don't quite trust yourself yet.. Even though I have never had a BK and a high earner I am scared of any debt other then car payment and a house payment.. Don't charge stuff I can't pay cash for.

Re: Citizens One Loan for Apple Upgrade Program

joltdude — Sun, 29 Oct 2017 16:01:12 GMT

Iv had nothing but headaches with Citizen Ones Iphone loan... not taking the payment out on the right date, taking it out for more than the requisite amount,, sending me emails and letters saying im past due when i call up and everythings all set.... refunds taking their sweet time .... Saying discover declined the transaction when they did not.... Their system is horrid... I expected it to be set and forget.... I have nothing but regrets.. The CSRs are friendly and try to help but its just a mess.... I like that it is unencumbered and not on a contract but i wish i just put it on a zero apr card and was done with it