So the time has come to upgrade our previous generation iPhones to the latest and greatest models. However we are in the middle of a mortgage ReFi (with a possible close in December), so we are pretty hesitant about pulling the trigger especially with the possibility of doing a HP when doing another IUP with Citizens One. I read that after the initial HP, all the other upgrades are SPs. Is that usually the case, or do they do another HPs as well?
