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Now, to take some of the mystique out of all of this: the iPhone Upgrade Program is actually an interest-free loan administered by Citizens One. Every year, when you order a new iPhone through the program, Citizens One checks your credit (a “hard pull,” which can negatively affect your credit score) and issues you a new loan if you’re approved.
Despite being administered by a third party, the iPhone Upgrade Program has some uniquely Apple pros and cons.
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Read more, including reviews abd comments on Apple iPhone Upgrade…
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