“If I buy this phone with a phone provider (AT&T), is it $28 a month for the phone with AT&T service, or is it $28 a month for the phone alone, plus additional AT&T service?”
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That’s for the phone payment only. Service is additional depending on your plan. I bought a new phone through Best Buy and brought my old phone to trade in at AT&T for $700 credit spreads out through 30 months so it’s about $5-10/month for my phone payment only.
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