PSA: Rejected for the iPhone Upgrade Programme? Read this
**TLDR; rejected by the iPhone Upgrade Programme, called Barclays who said that they’d manually approve the application if I tried again, then was able to refund the phone I’d bought outright and move over to the upgrade programme.**
I had an appointment to get the iPhone 11 Pro on the iPhone Upgrade Programme at the Apple Store (in the UK) on Friday. After I filled in all of the information, to my surprise, my iUP application was denied; I have a great credit score (‘excellent’ on Experian) and a good income. I ended up buying the phone outright rather than getting it on the upgrade programme.
I was worried about my credit score being impacted by a credit application denial, so I called Barclays who provide financing for Apple in the UK. They said that their credit dispute team would call back the next day with more details. I got a call on Saturday morning saying that they couldn’t tell me why I had been rejected because that’s part of their internal lending criteria.
However, they said that if I was to send them a copy of my bank statement and driving license then apply again, they would approve the application, so I sent that over to their underwriters. The dispute team said that before any information was submitted to them in the Apple Store as part of the upgrade programme, I should have the Apple Store call Barclays so that they could approve it manually as the information was submitted.
I went back to the Apple Store and asked them if they could refund me the cost of the iPhone so I could move to the upgrade programme, and they said that that’s fine. Like Barclays requested, the Apple Store employee who was handling my case called Barclays before submitting any of my information, and Barclays manually approved the application as it was going through. So in the end, I was able to get onto the iPhone Upgrade Programme even though I had been rejected the day before.
Figured I’d post this here for anyone that might have had the same sort of experience. I can’t say how this would have been handled outside the UK, but hopefully this will be helpful for someone either now or in the future with the next iPhone releases.