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iPhone Upgrade Program thru Citizens Bank

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getridofccdebt
New Contributor

iPhone Upgrade Program thru Citizens Bank

Well I went to enter the upgrade program and didn;t realize it would be a HP with Citizens Bank. I should have done more research because if you have a BK on your credit file they will not approve you. So I have a needless HP and can't ever enter into the upgrade program. Seems wild ot me in 2019 because I have filed BK I cannot get a small loan for a phone! Crazy but figured I'd give people a heads up.

 

Would love to hear if you have filed AND got into the program.

 

Message 1 of 14
13 REPLIES 13
FireMedic1
Community Leader
Mega Contributor

Re: iPhone Upgrade Program thru Citizens Bank

Its no different than any other loan out of BK. Thats why many get a secured savings loan to build credit. Doesnt matter if its a phone or furmiture. Your out of BK. If it was a car thats a different story. They last longer and a better resale than a phone that will be out of date and be worth hardly nothing in 2 yrs. Plus there no title and they dont repo phones if you default.



BK Free Aug25
Message 2 of 14
Anonymous
Not applicable

Re: iPhone Upgrade Program thru Citizens Bank

With @firemedic. This one is no big loss, no need to get a new super expensive phone. I do work on my phone and use one that is several years old. Smiley Happy

Phones break easily, most people dont insure, and the value tanks super fast
It would be better to buy and older version for cash and work your way up if you really need one that you would finance. Sock aside the "finance" money and then you can buy it outright when you get to your goal amount
Message 3 of 14
gorgon
Established Contributor

Re: iPhone Upgrade Program thru Citizens Bank

The sad part is that phones have gotten so expensive that banks need to give loans for them. Ridiculous.

Message 4 of 14
MyDataMyChoice
Valued Contributor

Re: iPhone Upgrade Program thru Citizens Bank

Try T-MOBILE they may finance you


All Negatives History Removed as of October 2025 - Only BK CH7 Showing as Public Record

                       
Lines of Credit:   
Personal Loan:  

Total Reported Revolving CL: $162,450 + 26K PLOC = $188,450

Message 5 of 14
Anonymous
Not applicable

Re: iPhone Upgrade Program thru Citizens Bank

A lot of judgement in the replies.  Thank you to the OP for this data point.  This is valuable information for us all.

Message 6 of 14
getridofccdebt
New Contributor

Re: iPhone Upgrade Program thru Citizens Bank


@gorgon wrote:

The sad part is that phones have gotten so expensive that banks need to give loans for them. Ridiculous.



Couldnt agree more. Its absolutley insane how expensive they are now. The wireless industry as a whole needs an overhaul!

Message 7 of 14
getridofccdebt
New Contributor

Re: iPhone Upgrade Program thru Citizens Bank

Seriously. That's why I wasn't responding lol

 


@Anonymous wrote:

A lot of judgement in the replies.  Thank you to the OP for this data point.  This is valuable information for us all.




Message 8 of 14
getridofccdebt
New Contributor

Re: iPhone Upgrade Program thru Citizens Bank


@MyDataMyChoice wrote:
Try T-MOBILE they may finance you

Verizon would finance me as well but I was trying to avoid a service contract with any 1 provider. I HATE being under an agreement with these service providers. 

Message 9 of 14
FireMedic1
Community Leader
Mega Contributor

Re: iPhone Upgrade Program thru Citizens Bank


@Anonymous wrote:

A lot of judgement in the replies.  Thank you to the OP for this data point.  This is valuable information for us all.


Where?



BK Free Aug25
Message 10 of 14
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