“Why it the retail price $100.00 more then the monthly payments? Please answer question. Apple and Verizon have it listed as $699 for retail price paid in full?”
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It's an incentive to do the monthly payment. You can do a down payment at time of purchase, then pay off the rest through Verizon. I.e. If it is $699, do a down payment of $675, then your monthly payment on your bill will be $1, or you can call Verizon and pay the $24.
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