500 FICO approved? Not a chance.
Any time a financial institution denies an application for credit they are required to send a letter of explanation which you will receive. Chances are it's some standard boiler plate responses like lack of information, too many inquiries, not enough aged accounts, excessive utilization, etc. Most credit cards will show FICO score which is different than sites like nerdwallet and creditkarma. Those use Vantage which is generally irrelevant to which lenders consider for "credit worthiness". However, those services are good to monitor for changes and are free so there's that.
I tried upgrading my 8+ to a XS 64GB and it went through quickly. Just appears now that I need to wait until 301AM EST tomorrow to lock it in. Going to pick up a 256GB XS Max but that's for work and gets PIF with company CC.
This program has come a long way since 2015. Then you had to wait weeks if you wanted sim free and there was no way to get a preapproval. You had to do this at the Apple store. I remember I was in NJ and the process took about 5 minutes after they submitted the application. I guess the server load was high as it is on release day. That was a pretty exciting release, the 6S+.
This release is similar as we have yet a new form factor.
So now I look forward to spending a few hundred bucks on cases, again! LOL
As for the price, if you think about it, it's the same. The XS Max 256GB flavor is $100 more than my X 256GB cost last year. When we had the normal and plus, the latter was $100 more.
Even though I have a 512GB Note 9, I most likely will NOT be getting the 512GB XS Max. I've had my X for nearly a year and only about 100GB is used so it would be a waste. I stream everything especially with a plex server so no need for that kind of storage. I went with the Note 9 in 512GB because it has 8GB of RAM. That I can use actually.
And another thing...
I like that these (new) iPhones are dual sim. Almost. My Note 9 has two IEMIs because it can access two lines at once. The tray will hold two sim cards. Works great.
Now on the iPhone, I'm not so sure. I'm with T-Mobile. (both lines). Lucky me, right? So I can move a number to the hardwire ESN and then just use one of my nano sims? I guess so! Not sure how this will actually work until it's in my hands.
Another interesting tidbit is China doesn't allow ESN devices so iPhones for that market will actually have a dual sim tray like my Galaxy devices!