PSA: You can accidentally order a phone with the “iPhone Payments” program instead of “iPhone Upgrade Program” by mistake (I did).
Both me and a friend (iPhone X owners) accidentally placed an order with Apple’s new financing thing instead of the iPhone Upgrade Program.
In my case, I was already on the iPhone Upgrade Program but did not upgrade last year. I ordered an iPhone 11 by going to the Apple Store app and clicking the prompt to “Upgrade this Phone”. I then followed the prompts which include financing through Citizens One so I assumed I did it correctly.
In my friend’s case, they weren’t on the iPhone Upgrade Program but wanted to trade in their iPhone X.
You still get prompted from Citizens One, which supports both programs, so it’s very hard to tell what is going on.
I checked out the current flow and you can easily get directed _from the iPhone Upgrade Program_ page onto a flow that lets you buy on the iPhone Payments program or pay in full only, with no upgrade program option.
Here’s a screenshot of Apple’s (current) website showing this flow being totally broken and confusing:
I recommend checking your orders to make sure it’s actually on the upgrade program. This may only apply to people who attempted to trade in?