This Is the Scary iPhone Upgrade Program Catch Nobody’s Talking About

Last year, when Apple introduced the iPhone Upgrade Program, it seemed to be the solution for the age-old problem of still having a year to go on a two-year contract while Apple’s dropping their latest flagship handset. In other words, new iPhone FOMO. Apple even touts is as “The best way to own iPhone.”

People swarmed to the stores to sign up — including yours truly — and with the impending release of the iPhone 7, 2016 is the first time I’ve been able to take advantage of the perk. But when I tried to trade in my 6S Plus for a 7 Plus, I was met with an unpleasant discovery.

To explain, let me back up. When I signed up for the Program back in September of 2015, I had to provide my social security number, a valid US credit card, two forms of primary identification and my wireless carrier info. That’s a lot of information to simply sign up for a new iPhone.

In case you’re asking why, here’s how the upgrade program works: When you sign up for the program, you’re actually signing up for a loan that’s financed through Citizen One Personal Loans. Citizen One Bank finances your phone, and you pay them back with a 24-month installment loan with a zero percent APR. To get a loan, you must first get your credit checked. This is all written in the fine print at the bottom of the iPhone Upgrade Program page. According to Priya Malani, financial planner and founding partner of Stash Wealth, “A hard inquiry as opposed to a soft inquiry is when your credit score is checked by an agency or institution that is issuing you a loan — versus you checking it yourself or a simple background check. Too many hard inquiries, like three or more, within a short period of time, like six months, isn’t great for your credit score.”

Now fast forward to the present. When I tried to swap my 6S for a 7, I found out that, in order to “exercise my upgrade option,” I had to sign up for a new 24-month loan. Which means new loan = new hard credit check. Yep, that would be two hard pulls on my credit report within 12 months and THAT was a shock to learn. To be fair, in the terms and conditions of the iPhone Upgrade Program, Apple does write that in order to exercise your upgrade option, you had to “enroll in a new iPhone Upgrade Program which includes applying for and entering into a new 24-month 0% APR installment loan (‘New Installment Loan’) with Bank,” and they do list it in their FAQs, but many users are still unaware. The Apple Store employee certainly didn’t offer this information when I signed up the first time, either.

And these hard pulls affect people differently. As Priya says, “If your credit score is healthy, you may only get dinged by a few points, but if you are working on rebuilding your credit score you may take a larger hit — up to 10 to 20 points.” Ouch. And there are times when you should be particularly conscious of your credit score. “Because your credit score is used to determine the terms offered on your loan or credit line,” Priya tells us, “you want to be in good standing when going to borrow in a significant way, like for a mortgage.” And it’s not limited to just mortgages, but also when you’re buying a car, renting an apartment or even opening a new credit card.

But there IS a silver lining here. There are ways you can avoid getting your credit dinged while still taking part in the program. “This is the fun part,” Priya says — something only a financial planner would say. “Not a lot of people realize you totally have control over increasing your credit score. It’s kind of like a game.” One of the first things Priya recommends doing is calling your credit card companies and asking them to increase your credit line. (“[Though] this doesn’t mean charge up more!”) What this does is it lowers your “credit utilization ratio,” AKA the percentage of your total credit you’re using. “You want to keep your CUR under 30 percent if you have great credit and under 20 percent if you have average credit,” Priya advises. “So if your cumulative credit line is $10,000, don’t charge up more than $2,000 to $3,000 at a time without paying it off in full.”

Another trick she has up her sleeve is to pay your bill off faster. “Instead of paying your credit card off every month when the bill is due,” Priya tells us, “pay it off every week or every two weeks. Showing regular and on-time payments is an easy way to bump your credit score.”

Next, you could try opening a fresh line of credit and being really careful about it. “Charge regularly and pay it off regularly,” she says. Use a free service like Debitize to keep you accountable. It links up your checking account and your credit card. Each time you use your credit card, they move the money out of your checking account into a Debitize account. At the end of the month, they’ll pay your bill for you — in full and on time.

As for those who don’t want another hard inquiry on their credit score and want out of the iPhone Upgrade Program, the bad news is that you’ll have to pay off the remainder of your 24-month loan, though after that, the phone is yours to do as you please.

Did you upgrade using Apple’s iPhone Upgrade Program? Tweet us @BritandCo!

(Photos via Apple, Getty)

I've been on the edge of my seat for Anne Hathaway and Dakota Johnson's Verity (even before I saw It Ends With Us), and after hearing about the first look that aired at CinemaCon this week, the internet is even more locked in on the “gothic, psychosexual thriller” (as the film's described by director Mike Showalter) than they've ever been.

Here's what the Verity cast, including Anne Hathaway, Dakota Johnson, and Josh Hartnett, had to say about the new movie from Colleen Hoover.

What is Verity about?

Any Colleen Hoover fan knows the Verity movie revolves around Lowen Ashleigh (Dakota Johnson), who gets hired by Jeremy Crawford (Josh Hartnett) to finish his wife's novels. Renowned author Verity Crawford (Anne Hathaway) is no longer able to write after a tragic accident, but what begins as an exciting project takes a turn for the horrifying when Lowen discovers Verity is hiding a terrible secret.

Anne Hathaway promises 'Verity' is worth "waiting for."

At Amazon MGM's CinemaCon presentation, the Verity cast, Colleen Hoover, and Mike Showalter offered attendees a new look at the movie via video message.

“My character Verity Crawford is an accomplished author with a tragic past,” Anne said, while Dakota joked, “Or is she?”

Josh added, “My character, Jeremy Crawford, is a devoted husband who’s committed to protecting his wife’s legacy.”

“Or is he?” Dakota said again.

“One thing we can say for sure is that seeing Verity in theaters will give fans the shared experience they’ve been waiting for," Anne promised.

And everyone's losing it over the "wild" footage from CinemaCon!

The presentation also included the first trailer for the movie, which showed Verity and Jeremy meeting at a bar — which explains those iconic set leaks of Anne Hathaway and Josh Hartnettrunning through the streets of New York! And when Jeremy's introduced to Lowen and brings her to their giant home, he tells her "she's the only writer who can do this"...and then they begin their own illicit affair. And as they have a hot make out sesh on the couch, Lowen realizes she's kissing Verity and not Jeremy. Wow.

"Just saw the first footage for VERITY starring Josh Hartnett, Anne Hathaway, and Dakota Johnson," @JoeySpielberg says on X. It looks like it’s gonna be good but I honestly couldn’t tell you the plot is but it’s definitely gonna be wild. Seems like a movie you just don’t know what happens next."

"The footage showcases a sexy, mind-bending thriller," @howatdk agrees.

We're sure to see many more shocks and surprises when Verity hits theaters May 15, 2026.

Check out the 10 Most-Anticipated Book-To-Film Adaptations We Can't Wait To See In 2025.

A new Trader Joe’s skincare find just hit shelves, and beauty fans are already reeling about its similarities to more luxury products! The night cream features a handful of ingredients that are commonly found in pricier skincare options, but this TJ’s pick costs a fraction of its suspected competitors.

As a Versed Sweet Relief overnight cream loyalist (I use it every single day without fail), I must say I'm thoroughly convinced to try this new Trader Joe’s item after reading shoppers’ reactions!

Scroll on to discover the all-new Trader Joe’s skincare product worth adding to your routine!

Reddit

Trader Joe’s Night Cream is a brand-new addition to their collection of skincare goodies. In fact, it’s so new that it’s not listed on their website quite yet. Despite its newcomer status, tons of shoppers are already buzzing about the Trader Joe’s Night Cream.

Reddit

One TJ’s fan on Reddit surfaced the new find on the r/TraderJoe’s subreddit, and skincare lovers were super quick to chime in.

Per the post, the Trader Joe’s Night Cream is formulated with Irish sea moss extract, a fermented mushroom complex, ceramides, and sodium hyaluronate. It’s also unscented, which can be super beneficial for sensitive skin in need of moisture.

The TJ’s fan that found the night cream on shelves reported that it is “very thick but dry at the same time. I really had to work it into the skin,” they said. “Very odd consistency.”

Kaboompics / PEXELS

Another shopper that tried the Trader Joe’s Night Cream weighed in on their experience:

“Using it sparingly since I’m quite pregnant and don’t want to mess with sensitive skin but so far it’s quite nice!” they said. “Thick but not greasy in the slightest. I still feel it on my skin when I rinse my face in the AM which means it held up overnight in my dry altitude climate.”

Cottonbro Studio / PEXELS

Several more users compared this new TJ’s formula to other products on the market, mentioning Asian beauty and even retinol for its anti-aging benefits.

“It’s interesting to see all the fermented ingredients in this!” one person commented. “I know that they have been very popular in Asian skincare for years, but I don’t see it that often in the States. I’m excited to try this! Thanks for sharing, I’m going to be on the lookout now.”

“Based on the ingredients list, I suspect this might be a Korean product,” another TJ’s shopper agreed.

“Irish Sea Moss is considered an excellent retinol alternative so if it agrees with one’s skin, not a bad option for those who can’t tolerate or don’t want harsh actives,” one more skincare fan noted.

MARA Beauty

One Redditor confirmed that a single 2-ounce jar of the Trader Joe’s Night Cream cost just $9. Similar moisturizers that leverage sea moss in their formulas (like Wildling’s Moonbounce 2% Bioretinol Irish Sea Moss Plumping Moisturizer and MARA's SeaDream Algae Crème) average around $73, which is insane.

KoolShooters / PEXELS

This TJ’s find could be a great way to try out the sea moss skincare wave without shelling out a fortune! Per episode 87 of The Inside Trader Joe's Podcast, it’s certifiably “high-quality” and “incredibly functional.”

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Jenna Bush Hager chose Holly Gramazio's The Husbands as her book club's April pick in 2024 and it became an instant bestseller. Evidently, Apple TV took notice and decided it would be an excellent idea to adapt it into a new drama series! We're fond of adaptations here, so we're elated to this fresh storyline come to life. But, guess what else we're intrigued about?

The Husbands series has already found it's lead star in Ted Lasso and Fargo actress Juno Temple! Her characters are fan favorites, so we're sure she's going to do her lead role in this series justice.

Scroll to learn more exhilarating news about The Husbands series!

What is 'The Husbands' about?

Amazon

The Husbands chronicles one woman's journey as she explores an ever-changing life with different men she's never met before. But this isn't a tale of reckless one-night stands. On the contrary, Lauren will be as confused as readers and viewers because she's not sure what's happening.

It all begins with her return to her home and the realization that a man who's strangely familiar with her is calling himself her husband. Unbeknownst to her, she's been married to Michael for a while despite not knowing who he is. What's even more ironic is that her friends think something's wrong with her because they know who her husband is.

In the midst of trying to decipher this phenomenon, Lauren's shocked when Michael disappears into the attic and a new man returns in his place. As she watches her surroundings change to accommodate life with him, Lauren slowly realizes her attic has created a portal that allows her to live out different fantasies with a revolving door of men. But, she'll have to ask herself what she really wants and if she's willing to hang on to one reality instead of wishing for more.

Has more cast information been released?

Diana Patient

Holly Gramazio, Author of The Husbands

We know Juno Temple will star in The Husbands, but there haven't been more cast announcements just yet (via Variety). There's so many options for the many spouses she could have which makes us want to dream about our own casting wishlist.

Who's the executive producers of the series?

Diana Patient

Holly Gramazio, Author Of The Husbands

According to Apple TV+, writer Miriam Battye (Succession) will be executive producing The Husbands with Craig Gillespie (I, Tonya), and Annie Marter of Fortunate Jack Productions (The Devil All The Time), author Holly Gramazio and A24.

We love when authors are allowed to give their input in TV or film adaptations!

When will 'The Husbands' premiere on Apple TV? 

Production hasn't started on The Husbands TV series yet, but we'll share more information once it's available!

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