answer:Unless policies have changed, my understanding is that Apple prices are in accord with ATTs. It’s six to one, half dozen of the other for where you purchase and always has been. But if you want to double check that, just call 800— MY IPHONE and they can confirm it. That’s how it’s been from the beginning. The only reason I got mine from ATT is cuz they were able to transfer the stuff from the sim card on my old Samsung. But this time around, I’m going to an Apple store since they are so much more helpful and their info on the iPhone is SO much more accurate. Just for curiosity, what’s the story on the Apple credit ?