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Denied for Apple Upgrade Program!

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Frequent Contributor

Denied for Apple Upgrade Program!

Argh. I’m so mad. I applied for and was approved for the program a year or so ago when the iPhone XS came out. The only reason I financed through Apple was to have annual upgrades.

I didn’t read the fine print so wasn’t happy to see they require a HP every time you upgrade... because it’s basically just another loan application. But I sucked it up and took the HP and was declined. My credit score is 50 points higher on Equifax than it was a year ago... absolutely nothing bad added. But somehow I was approved a year ago and declined now.

And meanwhile I’m going to have to switch over to my carrier for financing, all with a new HP. I haven’t been declined in so long... it brought up all my old rebuilding pain.
Rebuilding my credit. From low-mid 500s to 700s in two years!
Message 1 of 3
2 REPLIES 2
Senior Contributor

Re: Denied for Apple Upgrade Program!

They've changed their approval mod.  

Message 2 of 3
Frequent Contributor

Re: Denied for Apple Upgrade Program!

A friend suggested calling to ask for reconsideration. I did, they approved it, and my phone is ordered. A good reminder not to just give up!

Rebuilding my credit. From low-mid 500s to 700s in two years!
Message 3 of 3
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