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Apple Financing & Ineligible for AT&T Upgrade Pricing

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I still have 7 months until I'm eligible for "Upgrade" pricing with AT&T for the iPhone 6s; however, I would like to take advantage of Apple's new upgrade/financing program this month.  I will be staying with AT&T as my wireless carrier.  

 

Can anyone offer any insight as to whether or not I would have to pay a penalty to AT&T as a result of purchasing the new iPhone from Apple and using their financing?


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