Verizon is hiding an up charge of over $17 a month along with a prepaid user credit for $23.00. They charge $40 a month extra and then deduct $23. I was told I could not purchase the phone outright but if I wanted to put $240.00 down I could get the customer loyalty promo. This is all a bunch of bunk. I can purchase a new phone with no lock from Costco for $799.00. I don't want credits and I do not want a string atttattached User's recommendation: go to tmobile.