She's right. This is why even I have ordered T-Mobile.
About ATT, you have to activate and use it for 30 days and then you can request for unlock completely. So eventually you get tied to ATT for 30 days minimum.
Also, you have to use the sim card that comes with it, not the sim card which you are already using on another phone.
Please correct me if I am wrong somewhere.
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Off-topic
I am from India & the prices here are absonant. I have ordered T-Mobile only so that I have to simply take out the sim card and start using my iPhone 7 Plus (32GB Gold) without any activation or anything.
iPhone 7 Plus 32GB US Price: USD822.83
iPhone 7 Plus 32GB Ind Proce: USD1080.84
I save USD258.00 & why not lol.
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Still Processing but I guess we are not too far anymore. May be in few coming days or even hours, you never know.
what are you using? freight forwarder or you are sending to a friend?