How to change credit card or bank account used by iPhone Upgrade Program

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How to change credit card or bank account used by iPhone Upgrade Program
If your Apple Card isn’t being used by the iPhone Upgrade Program, you’re losing out on 3% Daily Cash. Here’s how to change it.
Photo: Cult of Mac

The iPhone Upgrade Program enables people to get a new Apple handset every year and pay it off in monthly installments, interest free. The monthly payments come from a credit card or a bank account. It’s possible to change which one at any time.

Many people who used the Upgrade Program to get an iPhone 13 want to do this because a bug prevented an Apple Card from being used for this on the handset’s launch day.

Here’s how to switch to a new credit card or bank account for Apple’s installment plan.

How to get ready to pre-order iPhone 13 with the iPhone Upgrade Program

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How to get ready to pre-order iPhone 13 with the iPhone Upgrade Program
The iPhone Upgrade Program gets you a new model every year.
Graphic: Cult of Mac

The iPhone Upgrade Program is Apple’s equivalent of a carrier’s monthly contract. You can upgrade your iPhone every year, and pay a monthly fee instead of buying the handset outright. The upgrade path is simple — there’s a new iPhone every year, and you can upgrade every year.

Here’s how to get ready so you can be ready for iPhone 13 preorders this Friday. Don’t wait until the last minute.

Buy an iPhone interest-free with Apple Card

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Apple Card with iPhone
Buying an iPhone through an Apple Card just makes sense. And soon it can be done with zero interest.
Photo: Ed Hardy/Cult of Mac

Apple Card users can soon use this credit card to buy an iPhone with payments stretching over two years, but without incurring any interest.

It’s already possible to buy an iOS handset through the iPhone Upgrade Program, but this requires a separate loan.

Apple teams up with Alipay to boost iPhone sales in China

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iPhone XS box gold
Bag yours before they're all gone.
Photo: Ste Smith/Cult of Mac

Apple has joined forces with Alipay in an effort to boost iPhone sales in China.

iPhone fans can now bag one of the company’s latest handsets with up to two years of interest-free finance. The loan allows customers to swap the costly upfront fee for much more affordable monthly payments. It’s available on purchases of 4,000 yuan (approx. $595) or more.

How to buy iPhone XR on iPhone Upgrade Program if you own iPhone X

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iphone xs upgrade
An iPhone with mmWave 5G could be more than a year away.
Photo: Apple

The iPhone Upgrade Program is Apple’s equivalent of a carrier’s monthly contract. You can upgrade your iPhone every year, and pay a monthly fee instead of buying the handset outright. Usually, the upgrade path is simple — there’s a new iPhone every year, and you can upgrade every year. But the iPhone X came out on November 3, 2017, so iPhone Upgrade Program participants still have at least a couple of weeks left to run on their contracts.

So how do you get the colorful iPhone XR you’re craving on launch day?

iPhone Upgrade Program users can start process of getting iPhone XR today

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iPhone Upgrade Program 2
It's like being a celebrity whisked through the pre-order process.
Photo: Apple

The iPhone XR, the handset which scored the main event spot in Apple’s most recent media event, opens up for pre-orders this Friday. However, if you’re a loyal enough Apple fan to be a member of its iPhone Upgrade Program, you can begin the process of getting your hands on an iPhone XR today.

That’s due to a pre-approval feature, which will speed you through Friday’s checkout process like a celebrity being ushered through airport security.

iPhone Upgrade Program welcomes T-Mobile customers online

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iPhone X on its box
iPhone X finally hits Apple's refurbished section.
Photo: Apple

T-Mobile customers can now sign up to the iPhone Upgrade Program online — just in time for Apple’s big 2018 upgrades.

Online enrollment was previously available to those on AT&T, Sprint, and Verizon, while T-Mobile subscribers were forced to visit their local Apple Store. The process will be a little easier for those looking to buy a new iPhone this fall.