How do I change the credit card being charged for my iPhone upgrade program?

Apple doesn’t administer the loan, so you’re not making payments to Apple. Your upgrade was financed by Citizens One Bank, so you’d need to contact them about changing your method of payment for your loan installments.

iPhone Upgrade Program Terms and Conditions

Did you make the call, get a human being on the phone and explain what you want to do?

For questions about your Installment Loan or your application, please contact Citizens One at 1-888-201-6306

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If your payment method is declined, or you have a billing issue in the App Store or iTunes Store

Change or remove your Apple ID payment information

Payment methods for iTunes Store, App Store, and iBooks Store

iTunes Store- Changing your payment information

Contact Support

Grime145 wrote:

Is there a specific department that I need to get ahold of?

I have no idea. Did you not get paperwork about your zero interest consumer loan when you entered into the upgrade program?

I‘m not an iPhone upgrade program participant, but I cannot imagine there is not something provided to you when Citizens One runs your credit record and approves you for the loan.