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purchasing iphone at walmart and questions about process

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I am looking to purchase an iphone 6 from Walmart but have never purchased a phone from a third party retailer.  I know that there are issues with early termination fees with the third party, but I have no intention of terminating the contract since we've been with AT&T for more than two years and I currently have an iphone that I want to upgrade.   Are there any other downsides to this?   Also, can I purchase the iphone and then activate the phone later?  I would need to transfer the files at a later time and would like to do this at home.  Is it easy to transfer all that data?  I am wanting to upgrade my husband and my phone and we are both part of the contract.  Do we both need to be present or can I buy both phones and change the contract there (and activate the phone later)?

Sorry for all the questions. This is all new to me since the last time I bought a phone it was at the Apple store and they did everything for us.

 


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