I don't want to add more to the monthly payment I rather just pay all at once at Apple Store and not have to worryLOL. Band 71 won't even be deployed to 99% of America before 2019. For the few people that will have access to it (major metro cities), this might effect their decision to wait. For everyone else that upgrades every year, this means nada!
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You do realize that T-Mobile includes AppleCare with our insurance?