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Do I have to make a down payment?

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I'm reading something about an EIP and I was wondering do I have to make a down payment when purchasing the iphone 5s because it says $0 upfront and $27 monthly and how much would the down payment be for the 5s?

Also it says the EIP isn't going to show up on your bill but it will be charged to your card, isn't that something you should be told upfront? You can't just charge someone's card.

Can I do the month to month payment or is the down payment mandatory?


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