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Non-subsidized price?

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Posted by: mobil1

I'm assuming 199/299 is the AT&T subsidized price... The real question is what is the full retail price???


The fine print: *Based on 3G and EDGE testing. Actual speeds vary by site conditions. Based on iPhone 3G (8GB) and first-generation iPhone (8GB) purchases. Requires new 2-year AT&T rate plan, sold separately.



Posted by: nm1k0

This is what I am wondering also. Since I cannot extend my contract I would like to know.



Posted by: Bunyfofu

well...its interesting to note, that it's $199.99 world wide...It would be kind of difficult to have all those carriers have that price point.



Posted by: terryjohnson16

I think it might be like $350 OEM.



Posted by: cowboy1964

I'm sure that's the price, period. The first iPhone wasn't subsidized.



Posted by: Churner

Those screen grabs from Apple's staging site last week indicated that the unsubsidized price will be $200 higher for each model.



Posted by: marks47

I'm expecting $399 un-subsidized. However, maybe it will be a simple matter of re-extending the contract to 2 years (not more) if you were an iphone customer that signed on for the original 2-year contract since the first one was not subsidized at all?



Posted by: mobil1

Quote:
Originally Posted by cowboy1964
I'm sure that's the price, period. The first iPhone wasn't subsidized.


There's no way. Apple would have to slash the prices of the iPod Touch as well.



Posted by: XanderMac

the price is $199 regardless. If you can unlock it all the better.



Posted by: Saoirse1916

Seemed pretty clear in the keynote: $199/$299 MAX.



Posted by: zephxiii

200 bucks unsubsidized seems way too good to be true, would have been nice though.



Posted by: didefresh2006

Nice....although i would have to wait until February to get one subsidized.



Posted by: Silent Witness

It sounds too good to be true.

You are telling that I can walk into an Apple store next month and the iPhone is cheaper than an iPod Touch?

I want to buy this at an Apple store, not ATT.



Posted by: dmhines

If you can walk into an Apple Store .. and walk out with a 8GB iPhone for $199 ... no strings attached .... Apple will OWN the cellphone market ....



Posted by: sportsfreak2159

Quote:
Originally Posted by Saoirse1916
Seemed pretty clear in the keynote: $199/$299 MAX.


Yea...Jobs made it clear...199/299 MAXIMUM a Carrier can charge. they are obviously going to sell these at Apple Stores and activation will prolly still be thru itunes so...



Posted by: xj911

Quote:
Originally Posted by zephxiii
200 bucks unsubsidized seems way too good to be true, would have been nice though.


I agree, but I think that's the case!



Posted by: Silent Witness

That's what I'm saying.

Forget the Xperia X1 or first gen iPhone refurbs. I probably couldn't even get X1 for $200 even if it is subsidized and locked.

I want to know if I can walk in the Apple store and walk out paying $200 for it without going through the ATT process. I prefer it the Apple store way. I can wait for the community to jailbreak it.



Posted by: sprungson

Well, do you think its possible that the iphone will be cheaper than ipod touch because u have to have a contract with the iphone, so apple would eventually make profit from you ever month from their cut on service.. idk

so, they dont have to lower the price for the ipod touch, becuase u dont have to pay for additional service



Posted by: SimplyDrew

I'd like to see it being able to be bought outright for $199, considering that although I am an AT&T customer and out of contract, I'd rather not sign a new agreement and whatnot. Just because, you never know what they're going to do. Right now I don't have the iPhone data plan and just carry MEdia Net unlimited in case that I do want to change phones (which I haven't since the day I've gotten the iPhone). But at least with the reassurance that I have, I know that it's there if I need it. However, letting them get you into a new 2 year agreement and upgrading to the new one at the subsidized price might turn into the doing some kind of control method like not letting you have anything but the iPhone plan and whatnot.

I'm sure I'm just worrying about nothing, but I'd say it's something to think about. I'd rather not pay an addition $200 for the unsubsidized version, but I'm sure there will be people out there that might have the same idea as me and will do the same. Also, I'd think that buying it at the Apple Store wouldn't enable them to activate it at the Apple Store. That'd just be too big of a mess for them. But then again it wouldn't make a lot of sense to force activation at the AT&T retail stores and then not at the Apple Stores.

Blah.



Posted by: mobil1

We need to look at this from a business sense...

iPod touch prices are 299/399 for 8gb and 16gb respectively. Selling the iPhone 3G for 199/299 RETAIL (unsubsidized) would be undercutting iPod Touch prices by $100, there by killing their iPod Touch sales.

199/299 HAS to be the carrier price with a NEW 2-year contract. I am predicting 399/499 retail form Apple stores.



Posted by: didefresh2006

I wonder if they'll let us use our FAN accounts on these now......



Posted by: CocheseUGA

I don't care if it's subzd or not. If it is, I will wait. If not, I will buy when I have the chance.



Posted by: damnyooneek2

read the fine print and it says with a new 2 year contract



Posted by: spleck

I'm sure the $199 is subsidized price, meaning worst case you pay $200 ETF + $199. I imagine there will be a special case for customers that have the current iPhone and want the 3G iPhone--unless they anticipate the $10 extra/month charge enough to cover it.

If they let us use FAN, then I'll get one.



Posted by: jdlorinser

Every price the iphone has ever had was with a 2 year contract. They expected people to go home after purchase and activate through itunes... It should be the same now: Pay $199 for phone, then go home and activate it or not .



Posted by: homegeek

I dont know why anyone thinks it will be different then the first one. The price will be 199/299. You will probaly have to extend your contract for 2 more years but there will not be any other prices unless you buy it from someone else. Why would they change it from the first one. They are making money from activations and service.



Posted by: mobil1

Quote:
Originally Posted by homegeek
I dont know why anyone thinks it will be different then the first one. The price will be 199/299. You will probaly have to extend your contract for 2 more years but there will not be any other prices unless you buy it from someone else. Why would they change it from the first one. They are making money from activations and service.


I am skeptical because they didn't announce a price reduction on the iPod Touches. Why would Apple undercut one of their current flagship products?



Posted by: spleck

Quote:
Originally Posted by homegeek
I dont know why anyone thinks it will be different then the first one.
Because AT&T is subsidizing the price now?



Posted by: xj911

Quote:
Originally Posted by didefresh2006
I wonder if they'll let us use our FAN accounts on these now......


second that, don't want to lose my 24% monthly discount!



Posted by: butthead440

ummm because of profit sharing and a greater widespread market they have now



Posted by: VDubb

Quote:
Originally Posted by mobil1
I am skeptical because they didn't announce a price reduction on the iPod Touches. Why would Apple undercut one of their current flagship products?


They will either rely on that the majority will think that they need AT&T to get the iPhone (so they will still by the iPod Touch), severely improve the iPod Touch, or bring the price equal to the iPhone and also rely on fact A.

- VDubb



Posted by: jvanbrecht

Well, when the first iphone came out, the * on it also stated you need an ATT contract, just because its dirt cheap (thanks to chinese child labour) does not mean it is in fact subsidized. The small print is the same as its always been, atleast in the US.



Posted by: help_questions

Quote:
Originally Posted by spleck
I'm sure the $199 is subsidized price, meaning worst case you pay $200 ETF + $199. I imagine there will be a special case for customers that have the current iPhone and want the 3G iPhone--unless they anticipate the $10 extra/month charge enough to cover it.

If they let us use FAN, then I'll get one.



in Canada, we've got Roger's Wireless' wonder $400 ETF, and probably a $100 ETF for the data part of the plan.



Posted by: KickAss

it clearly says in the press release that its going to be available for $199/$299 IN BOTH ATT and APPLE STORES. Or did I miss something when I read that?



Posted by: Arithon

Hmm, the apple store online has big banners all over the site stating iphone 3g twice as fast half the price*

At the bottom of the page it reads:
# *Based on 3G and EDGE testing. Actual speeds vary by site conditions. Based on iPhone 3G (8GB) and first-generation iPhone (8GB) purchases. Requires new 2-year AT&T rate plan, sold separately.

Seems thats unsubsidised to me



Posted by: 1G-Drew

Quote:
Originally Posted by mobil1


199/299 HAS to be the carrier price with a NEW 2-year contract. I am predicting 399/499 retail form Apple stores.


I agree -- with $200 instant activation credit.


BTW the price being the same at Apple or AT&T doesn't mean it's not subsidized. The real question is whether you can get the low price, not sign up for at&t service and still have it work *at all*. I'm guessing that if they don't have some sort of activation credit then the locking is going to be even stronger so that AT&T gets back the subsidy.



Posted by: Rodville

I don't see how you guys think it subsidized. They have not done it that way before why change they way it's handled now.



Posted by: samab

Quote:
Originally Posted by Rodville
I don't see how you guys think it subsidized. They have not done it that way before why change they way it's handled now.


It's in AT&T's press release --- the new 3G iphone is subsidized.

http://www.att.com/gen/press-room?p...articleid=25791

It requires a 2 year contract, the data price is $30, the minimum voice plan is $40.

And there is no more revenue sharing with Apple.



Posted by: bgreen965

It could always be $199/$299* after mail in rebate with proof of activation...



Posted by: mobil1

Quote:
Originally Posted by Rodville
I don't see how you guys think it subsidized. They have not done it that way before why change they way it's handled now.


Because it's priced $100 LESS than an equal capacity iPod Touch. Historically, it's been the other way around.



Posted by: samab

Quote:
Originally Posted by bgreen965
It could always be $199/$299* after mail in rebate with proof of activation...


It will be activated in-store.

http://techblog.dallasnews.com/arch...and-data-p.html



Posted by: zephxiii

honestly, that isn't a very good reasoning to why it wouldn't be subsidized. i'm not for it being subsidized or anything, but realistically, thats a bit too cheap for it not to be subsidized. hopefully i am wrong though



Posted by: djkurupt

if its unsubisidized...what would stop everyone from just going and buying a 16gb iphone for $299 and using it as an ipod touch.....



Posted by: gshappell

http://www.engadgetmobile.com/2008/...ed-data-for-30/



Posted by: mobil1

Ahhhh...

From another thread:

"When you buy the new iPhone you will have to get it activated IN THE STORE (Apple or ATT). You will not activate it in the same way as the 1st generation phone."


So basically, no one should be able to walk into an AT&T or Apple store, buy an iPhone 3G for 199/299 and walk out without signing a 2-year contract.

Sounds pretty subsidized to me.



Posted by: samab

Read the AT&T press release, they specifically said that they will take a hit of 10-12 cents a share with this iphone subsidy.



Posted by: Alex318

What about people currently on contract, that means no 3g iPhone for us?



Posted by: pig snot

Quote:
Originally Posted by mobil1
We need to look at this from a business sense...

iPod touch prices are 299/399 for 8gb and 16gb respectively. Selling the iPhone 3G for 199/299 RETAIL (unsubsidized) would be undercutting iPod Touch prices by $100, there by killing their iPod Touch sales.

199/299 HAS to be the carrier price with a NEW 2-year contract. I am predicting 399/499 retail form Apple stores.


You can fully expect the following price adjustments to the ipod touch sometime between July 1-11, to fall inline with the new iphone prices.

8gb: Retired
16gb: $199
32gb: $299



Posted by: braindead5400

Quote:
Originally Posted by pig snot
You can fully expect the following price adjustments to the ipod touch sometime between July 1-11, to fall inline with the new iphone prices.

8gb: Retired
16gb: $199
32gb: $299



Not gonna happen, that would make the price of the other iPods a rip off



Posted by: tiguy99

^ ^ Never say never!!!



Posted by: BobL

Quote:
Originally Posted by 1G-Drew
I agree -- with $200 instant activation credit.


BTW the price being the same at Apple or AT&T doesn't mean it's not subsidized. The real question is whether you can get the low price, not sign up for at&t service and still have it work *at all*. I'm guessing that if they don't have some sort of activation credit then the locking is going to be even stronger so that AT&T gets back the subsidy.


According to the analyst conference call just a little while ago.... Phones will have be activated in the Apple or ATT store. You do not take it home and then activate it. They have gone to the traditional model even in the Apple stores.



Posted by: braindead5400

Quote:
Originally Posted by tiguy99
^ ^ Never say never!!!


They aren't going to devalue the entire iPod line to sell more iPhones, especially without revenue sharing



Posted by: pathy5025

I just listened to the att call. My guess is that they will allow everyone to re-up their contracts, regardless of where you are in your upgrade eligibility. Meaning if you bought one last month, you can get get another one in July and start your two years then. This would be in-line with the rebate for the early adopters last time. If they don't, not a single (non-jailbroken) iphone owner can upgrade until December 2008. It's 18 months on a 24 month contract I think (AT&T reps please verify)



Posted by: ivwshane

Quote:
Originally Posted by pathy5025
I just listened to the att call. My guess is that they will allow everyone to re-up their contracts, regardless of where you are in your upgrade eligibility. Meaning if you bought one last month, you can get get another one in July and start your two years then. This would be in-line with the rebate for the early adopters last time. If they don't, not a single (non-jailbroken) iphone owner can upgrade until December 2008. It's 18 months on a 24 month contract I think (AT&T reps please verify)


I'm waiting for the info as well and it sounds like it will be that latter rather than the former.

The 3g iphone will be treated as business as usual and follow standard procedures regarding discounts, upgrades, etc.



Posted by: SimplyDrew

Quote:
Originally Posted by pathy5025
I just listened to the att call. My guess is that they will allow everyone to re-up their contracts, regardless of where you are in your upgrade eligibility. Meaning if you bought one last month, you can get get another one in July and start your two years then. This would be in-line with the rebate for the early adopters last time. If they don't, not a single (non-jailbroken) iphone owner can upgrade until December 2008. It's 18 months on a 24 month contract I think (AT&T reps please verify)

Where did you listen to the call at? Link, please?



Posted by: deepinya

att will allow current customers to buy the iphone and extend the 2 years from the date of purchase. They arent foolish.



Posted by: pathy5025

Quote:
Originally Posted by SimplyDrew
Where did you listen to the call at? Link, please?

Here you go...
http://phx.corporate-ir.net/phoenix...eventID=1873725



Posted by: ROLLTIDE

Can I buy it without doing the 2 year devil contract ?



Posted by: RF9

According to Engadget, you can not leave the Apple store or AT&T store without activating the phone.
The $199/$299 says "with 2 year contract" and according to the AT&T press release they'll be losing a ton of money on subsidies.

So that begs the question. What if you're a current customer already under contract and not eligible for an 'upgrade discount' which usually gets you an unsubsidized price.

Let's assume $199/$299 is the max price period. Then how does this work with the contract?
What if I bought one for $199, I sign a 2 year, 1 month later it I break it or lose it and I have to buy a new one. What will the price be? I can't imagine they'd let me buy a new one at $199 and just re-new my contract again.

That doesn't follow the standard subsidy/contract model they have right now.

I knew $199 was too good to be true.



Posted by: ivwshane

Quote:
Originally Posted by RF9
According to Engadget, you can not leave the Apple store or AT&T store without activating the phone.
The $199/$299 says "with 2 year contract" and according to the AT&T press release they'll be losing a ton of money on subsidies.

So that begs the question. What if you're a current customer already under contract and not eligible for an 'upgrade discount' which usually gets you an unsubsidized price.

Let's assume $199/$299 is the max price period. Then how does this work with the contract?
What if I bought one for $199, I sign a 2 year, 1 month later it I break it or lose it and I have to buy a new one. What will the price be? I can't imagine they'd let me buy a new one at $199 and just re-new my contract again.

That doesn't follow the standard subsidy/contract model they have right now.

I knew $199 was too good to be true.


The details are fuzzy but it sounds like they will have a full retail price point BUT it will still require a contract



Posted by: mobil1

Quote:
Originally Posted by ivwshane
The details are fuzzy but it sounds like they will have a full retail price point BUT it will still require a contract


I'm guessing full retail no contract price will eventually be 399/499...



Posted by: butthead440

we need some concrete answers my 30 days just ended yesterday and ill be pretty ticked off if i cant buy a 3g iphone



Posted by: british_boy86

From what im hearing over here in Canada, when it comes out on July 1th, the cost of the handset alone from rogers, its going to be $499 for the 8gb, and $599 for the 16gb. But then again, is basically the same price as the new BB Bold, and the BB Curve if you buy them outright from rogers as well.

Either way, its not going to make any sense for apple to release them worldwide for the same price, and then allow that price to be the unsubsidized one.

Its Steve bloody Jobs lol, the guy always knows what hes doing.



Posted by: mobil1

Quote:
Originally Posted by british_boy86

Its Steve bloody Jobs lol, the guy always knows what hes doing.


Yup... Steve is a marketing genius. Build up the hype months before product announcement. Hit them with a "more affordable price point" (with BOOM sound effects) while totally glossing over the mandatory 2 yr contract (ahem... subsidy), increased data plan cost and dropped text messages.

Everyone is too dazed by the price point to realize the overall cost is gonna be higher than the original iPhone.



Posted by: CocheseUGA

I think they'll allow you to extend your contract at any point if you haven't bought a 3G iPhone before. But to disallow people from buying them and selling them, once you bought one - that's it. They probably won't sell you another for a certain amount of time.

I don't think you're going to see a non-contract price in the US.



Posted by: KickAss

I agree with CocheseUga, Is it even worth discussing the Non-Subsidized price if ATT+APPLE are selling ONLY with a contract? IMO that eliminates people unwilling to spoil their credit rating by signing a contract and then paying the penalty to keep the phone.

Does it not seem likely they will follow this policy globally? Wherein the only sources of purchase are restricted by a contract/penalty. A creditcard assurance in places where there is no credit rating..and if you cancel within 2 years you get hit with a major penalty.

Obviously the grey/e-bay market will be on fire with people getting cheap/free upgrades and selling for twice as much!



Posted by: RF9

Canceling your contract doesn't affect your credit rating. Well it shouldn't, and if it did I believe you have legal recourse. As long as you pay the EFT bill they send you ($175) along with any other fees you racked up ($35 activation fee, etc.) The only time they can report you to a credit bureau is if you fail to pay your bill or pay it late.
When you sign up for service, they do a credit check. That credit check shows up on your credit as an inquiry.

So the only way I can see this negatively affecting you is if you wanted to do it repeatedly. For one, there might be a lot of inquiries from AT&T on your credit? But also AT&T may have their own list and deny you service if you've started/quit too many times.

I believe this post here (on another forum) is pretty right on the money. There will not be a no-contract sale of the iPhone, at least not in the US with AT&T. But you will get it for a subsidized or non-subsidized price depending if you've taken an equipment discount within about the last 18-24 months (varies.)



Posted by: CocheseUGA

Quote:
Originally Posted by RF9
Canceling your contract doesn't affect your credit rating. Well it shouldn't, and if it did I believe you have legal recourse. As long as you pay the EFT bill they send you ($175) along with any other fees you racked up ($35 activation fee, etc.) The only time they can report you to a credit bureau is if you fail to pay your bill or pay it late.
When you sign up for service, they do a credit check. That credit check shows up on your credit as an inquiry.

So the only way I can see this negatively affecting you is if you wanted to do it repeatedly. For one, there might be a lot of inquiries from AT&T on your credit? But also AT&T may have their own list and deny you service if you've started/quit too many times.

I believe this post here (on another forum) is pretty right on the money. There will not be a no-contract sale of the iPhone, at least not in the US with AT&T. But you will get it for a subsidized or non-subsidized price depending if you've taken an equipment discount within about the last 18-24 months (varies.)


But that's still assuming that AT&T will only charge $175 for an ETF, and actually allow an ETF on the new iPhone.

What's to stop AT&T from raising the ETF fee, or not allowing you to cancel this contract within a year?



Posted by: RF9

There's no way they can keep you from breaking the contract. Everyone would be stupid to sign a contract that says you owe AT&T for 12 full months of service ($500-$1000) whether you use it or not. I certainly would never sign such a thing.
That's what the EFT is, an early contract penalty. They could raise the EFT. But recently they were forced to offer pro-rated EFTs, so I don't see it likely that they'll raise it by much. They could implement things like satellite TV companies do, and require you to return the equipment if you cancel. But that would be pretty crazy as well. No carrier has done such a thing yet.

What they could do is, if you break your contract, refuse you return service for a year or so.



Posted by: CocheseUGA

Quote:
Originally Posted by RF9
There's no way they can keep you from breaking the contract. Everyone would be stupid to sign a contract that says you owe AT&T for 12 full months of service ($500-$1000) whether you use it or not. I certainly would never sign such a thing.


Then you don't get the new phone. It's a pretty simple concept.

The government wants corporations to offer ETFs for cell phone service, but there's nothing to say that they can't hold one of their phones hostage.

I see no legal standpoint where they couldn't have the ETF for this plan (and the 3G phone would be the only one to use it) be the entire contract price.

I also see no reason why they wouldn't limit sales to a SSN to one a year, unless you bring in your broken one (or they can brick the old one via software).

For the average consumer, this isn't important. It won't matter. What Apple and AT&T are trying to do is to punish those that want to use them on other networks. Would an ETF of $1000 not be fair?

Or write it that those who want to break their contract must return the phone. Pretty simple, no?



Posted by: 1G-Drew

Quote:
Originally Posted by ivwshane
The details are fuzzy but it sounds like they will have a full retail price point BUT it will still require a contract


That sounds like the worst of both worlds.

I can understand why they won't give another subsidy to someone who "spent" it recently on some other phone. But then there should be no contract extension--it should run until the end of that original contract, just like if you lose your phone and have to buy a new one at full price.



Posted by: RF9

Quote:
Originally Posted by 1G-Drew
That sounds like the worst of both worlds.

I can understand why they won't give another subsidy to someone who "spent" it recently on some other phone. But then there should be no contract extension--it should run until the end of that original contract, just like if you lose your phone and have to buy a new one at full price.
They (AT&T) would tell you the contract is for the preferred rate plan (not the phone.)
Also, even at "full price" it's still a subsidized price, just not subsidized as much.

If you bought one, broke it 2 months later, and had to buy another one at full price, you would simply reset your contract to 2 years again.



Posted by: pig snot

Quote:
Originally Posted by CocheseUGA
Then you don't get the new phone. It's a pretty simple concept.

The government wants corporations to offer ETFs for cell phone service, but there's nothing to say that they can't hold one of their phones hostage.

I see no legal standpoint where they couldn't have the ETF for this plan (and the 3G phone would be the only one to use it) be the entire contract price.

I also see no reason why they wouldn't limit sales to a SSN to one a year, unless you bring in your broken one (or they can brick the old one via software).

For the average consumer, this isn't important. It won't matter. What Apple and AT&T are trying to do is to punish those that want to use them on other networks. Would an ETF of $1000 not be fair?

Or write it that those who want to break their contract must return the phone. Pretty simple, no?


Are you even listening to what you are writing? Im not going to take the time to pick your whole thing apart, but will say there are several laws already in place regarding ETF's. The simple fact is the absolute most it would cost for the 3g iphone free and clear is $375, $200 to buy the phone and $175 to break the contract.



Posted by: CocheseUGA

Quote:
Originally Posted by pig snot
Are you even listening to what you are writing? Im not going to take the time to pick your whole thing apart, but will say there are several laws already in place regarding ETF's. The simple fact is the absolute most it would cost for the 3g iphone free and clear is $375, $200 to buy the phone and $175 to break the contract.



Are you even reading what I'm writing? If there's a law preventing them from making a single phone having a bigger ETF, then post it.

Otherwise, shut your hole.



Posted by: CingularWRX

They won't change the ETF for this phone.

and what in the hell kind of sense does paying retail and still signing a contract make? The ONLY reason I can see them even allowing that is due to FAN handset discounts, which nobody uses anyway since the 2yr price is cheaper 99% of the time



Posted by: RussPath03

Like I said, why break the contract, just get another line added for $10 a month. Since I have 3 now, I will just add a 4th line and use that as my phone.



Posted by: pathy5025

Credit request from phone/cable companies are a "soft" inquiry, it does not affect your rating or score no matter how many times they hit the database. Cars, loans, and houses are "hard", they do drop your score a little each time, and even more if you there are a bunch in a row.

I agree that the ETF will not change, they are under a ton of pressure from congress. The major carriers changed the ETF rules recently by themselves so that congress wouldn't force there hand. I also believe that there has to be a "retail" price somewhere for lost or stolen phones.

I'll bet that the new contract rules will achieve the desired outcome for AT&T, ending (or at least, minimizing) the cottage industry of jailbreaking and reselling.



Posted by: CingularWRX

Quote:
Originally Posted by pathy5025
Credit request from phone/cable companies are a "soft" inquiry, it does not affect your rating or score no matter how many times they hit the database. Cars, loans, and houses are "hard", they do drop your score a little each time, and even more if you there are a bunch in a row.

I agree that the ETF will not change, they are under a ton of pressure from congress. The major carriers changed the ETF rules recently by themselves so that congress wouldn't force there hand. I also believe that there has to be a "retail" price somewhere for lost or stolen phones.

I'll bet that the new contract rules will achieve the desired outcome for AT&T, ending (or at least, minimizing) the cottage industry of jailbreaking and reselling.


Why would they need a "retail" price for lost/stolen phones? You simply go back into the store, resign the agreement for 2 years, and get an activated phone to leave with. You are able to resign with the iPhone at any time, no need for retail pricing!

And you can bet there is absolutely NO way that this is going to curb the unlocking/reselling of these phones. Sure it may die down right when the phone is released, but give it a week or two. There is always someone smarter hacking away in a dark room somewhere.



Posted by: 1G-Drew

Quote:
Originally Posted by CingularWRX
Why would they need a "retail" price for lost/stolen phones? You simply go back into the store, resign the agreement for 2 years, and get an activated phone to leave with. You are able to resign with the iPhone at any time, no need for retail pricing!


Um, because people will start claiming to have "lost" phones every month?



Posted by: pathy5025

Quote:
Originally Posted by CingularWRX
Why would they need a "retail" price for lost/stolen phones? You simply go back into the store, resign the agreement for 2 years, and get an activated phone to leave with. You are able to resign with the iPhone at any time, no need for retail pricing!

And you can bet there is absolutely NO way that this is going to curb the unlocking/reselling of these phones. Sure it may die down right when the phone is released, but give it a week or two. There is always someone smarter hacking away in a dark room somewhere.


Lets say I am out of contract today. I go get a "free" phone from AT&T and lose it down a storm drain, I cannot turn around and get another free phone.

I completely agree that the new phone will be hacked very quickly. The difference this time is that EVERY iphone sold in the US will have a contract associated with it. That was not the case with the first version. People may still sell them on ebay, but someone somewhere has a two year contract their bound to.



Posted by: pig snot

Quote:
Originally Posted by CocheseUGA
Are you even reading what I'm writing? If there's a law preventing them from making a single phone having a bigger ETF, then post it.

Otherwise, shut your hole.


Ok why dont you just put your money where you mouth is, ill give you 10 to 1 odds, I put up $1,000 and you put up $100 we transfer to a respected 3rd party that the iphone ETF will not be higher than any other ATT phone.



Posted by: CocheseUGA

Quote:
Originally Posted by pig snot
Ok why dont you just put your money where you mouth is, ill give you 10 to 1 odds, I put up $1,000 and you put up $100 we transfer to a respected 3rd party that the iphone ETF will not be higher than any other ATT phone.


I'm discussing can and can't, and you've switched to will and won't.

The premise was very simple: there is no law or congressional pressure that would not let the company have different rules and contracts for this phone. I challenged you to prove me otherwise. You still haven't.

Until you can meet that very basic premise, how am I supposed to believe you have that kind of money to wager?

It's a shame, too. It's illegal, or I'd love to take your supposed money.



Posted by: pathy5025

Quote:
Originally Posted by pig snot
Ok why dont you just put your money where you mouth is, ill give you 10 to 1 odds, I put up $1,000 and you put up $100 we transfer to a respected 3rd party that the iphone ETF will not be higher than any other ATT phone.


If there is a higher fee for the iphone, it would be a first for the industry. Currently, ETF's are set by the carrier for all phones (including wireless cards). There would have to a seperate TOS for the iphone, which I highly doubt. If they really needed more money then 199+first month+ETF, they would have raised the price higher then 199. Raising the ETF for one phone makes zero sense IMO.



Posted by: CocheseUGA

Improbable is different than impossible, though.

What doesn't make sense to me is believing that AT&T would be willing to let thousands of potential subscribers (at a tune of over $1500/two years) skip free on the same penalty as the cheapest post-paid subsidized phone they carry.

I just doesn't make business sense. The boost in subscribers they would see over a couple weeks would more than be overshadowed by the lack of long-term revenue. If I were a shareholder, I know that wouldn't make me happy.



Posted by: CingularWRX

Quote:
Originally Posted by pathy5025
Lets say I am out of contract today. I go get a "free" phone from AT&T and lose it down a storm drain, I cannot turn around and get another free phone.

I completely agree that the new phone will be hacked very quickly. The difference this time is that EVERY iphone sold in the US will have a contract associated with it. That was not the case with the first version. People may still sell them on ebay, but someone somewhere has a two year contract their bound to.


I'm well aware of that. If you got an iPhone, lost it down a drain, you COULD go back and buy another. It was the only phone that was sold in such a way. Trust me, I had customers doing it left and right with the iPhone. If that practice continues from AT&T, allowing upgrade to the iPhone at any time, why is there a need for retail pricing? Now with the subsidy issue though, who knows, maybe they will change that. There is just too much we don't know right now to even begin to come to an accurate conclusion.

And while I agree about the phones being sold with contracts, if someone wants one bad enough it may be possible to buy, pay the 1st month and term early. Sure the phone is more, but everything we want has its price, right? They'll end up on ebay without contracts in time. The question is, how much time????



Posted by: RF9

The contract isn't bound to the iPhone, it's just a contract on your account regardless of what phone you have. I don't know if that's what you (pathy) meant or not.
Point being, I could but an iPhone, re-new my contract, then a month later sell it and switch back to my old phone (or buy a different one at full price) and it's just like selling any other used phone. But whoever bought it has it contract-free (and hackable.)

Kind of like selling a used gun. Someone can go commit murder, but it's not my gun anymore.



Posted by: pathy5025

Quote:
Originally Posted by RF9
The contract isn't bound to the iPhone, it's just a contract on your account regardless of what phone you have. I don't know if that's what you (pathy) meant or not.
Point being, I could but an iPhone, re-new my contract, then a month later sell it and switch back to my old phone (or buy a different one at full price) and it's just like selling any other used phone. But whoever bought it has it contract-free (and hackable.)

Kind of like selling a used gun. Someone can go commit murder, but it's not my gun anymore.


I'm with you RF9, I understand that the contract is not tied to the physical phone. The difference I was trying to point out was before, one could go to the apple store and buy iphones like crazy, the only limiting factor being available capital (3 phone limit not withstanding). There was no link to my AT&T account at POS. That is changing now. Sure, I can "lose" my new 3G iphone, and get another at some yet to be determined price. But if I lost 30 in 5 days, they may stop selling them to me. Again, I'm just guessing. They changed the norm with the first iphone. Now that they are going back to the subsidized policy, I think they are going to have the bend on some other rules.
I personally want a new iphone, my first gen was stolen 2 months ago. I would hope AT&T will find a way for me to buy one, and not have to wait until december when I am upgrade eligible (like every other 1st gen person). If I have to pay a non-subsidized price, then so be it. But I don't see that pricing being much higher 199+ETF.



Posted by: RF9

Definitely they could do something to limit how many 'replacements' they'll sell you. If they're that concerned about such things they should.

I think (hope) the 3G iPhone is $199+$150 (EFT $175.) $150 is the normal 2-year discount you get for all other phones, I would expect 3G iPhone to be the same.
But it could be a bit more or less. We could get lucky and they chose $100 more, who knows?

I'm personally pretty miffed at AT&T in that Apple has announced the new subscriber price of $199 and AT&T (no one) can give you the full price. It's borderline false advertising when you can't disclose this information.



Posted by: pig snot

Quote:
Originally Posted by CocheseUGA
I'm discussing can and can't, and you've switched to will and won't.

The premise was very simple: there is no law or congressional pressure that would not let the company have different rules and contracts for this phone. I challenged you to prove me otherwise. You still haven't.

Until you can meet that very basic premise, how am I supposed to believe you have that kind of money to wager?

It's a shame, too. It's illegal, or I'd love to take your supposed money.


Why in hell would we be discussing can and can't? That pretty much covers the whole spectrum of anything conceivable or inconceivable for the history of human existance. ATT CAN stop offering phone service tomorrow and start selling toys and pizza's. But they won't.

Were talking about what will and wont happen. Your proposing extremely wild can's, my question is who the fudge cares. There is no possibility on earth that it will happen so why even say it out loud?

I have $1,000 i can transfer via Paypal, Stars, or Fulltilt anytime you want to back up your outrageous claims



Posted by: CocheseUGA

Instead of trying to solicit me into illegal activity, why don't you pull your head out of your *** and read the thread.

I posted:
Quote:
What's to stop AT&T from raising the ETF fee, or not allowing you to cancel this contract within a year?


And I still haven't gotten an answer. Yes, it would be a first. Yes, it's unheard of. So was $4 gas ten years ago, as was Apple being a cell phone manufacturer.

I've asked repeatedly what would stop them from doing it, and the answer is nothing.

I've never claimed anything. I've always been talking in hypotheticals, Sherlock.



Posted by: faroqui

I just spoke to a rep. at ATT and he said if you purchase the phone and cancel the contract w/i a timely manner (3 days i assume) you only pay the 175$ ETF and the 199$ for the phone. I know this has been said before, but other people thought you have to pay for the first month service etc etc and I was told you don't. But, I the rep. didn't know if the disable the phone with the IMEI# or w/e.



Posted by: CocheseUGA

Quote:
Originally Posted by faroqui
I just spoke to a rep. at ATT and he said if you purchase the phone and cancel the contract w/i a timely manner (3 days i assume) you only pay the 175$ ETF and the 199$ for the phone. I know this has been said before, but other people thought you have to pay for the first month service etc etc and I was told you don't. But, I the rep. didn't know if the disable the phone with the IMEI# or w/e.


While this will probably turn out to be true, I think it's a bit early to rely on specifics from anyone besides the PR office at AT&T. They are alwasy the last to get specifics.



Posted by: michaelflorio82

Quote:
Originally Posted by CocheseUGA
While this will probably turn out to be true, I think it's a bit early to rely on specifics from anyone besides the PR office at AT&T. They are alwasy the last to get specifics.


True. I am an RSC abd they haven't told us squat. All we know is what was posted already on BGR. Thats it. Talking to sales people wont get you anymore answers (correct ones that is) than reading these forums and blog posts.



Posted by: superlatives

Quote:
Originally Posted by pathy5025
Credit request from phone/cable companies are a "soft" inquiry, it does not affect your rating or score no matter how many times they hit the database. Cars, loans, and houses are "hard", they do drop your score a little each time, and even more if you there are a bunch in a row.

Actually, I had heard that the REVERSE is true.

Credit reporting agencies EXPECT consumers to shop around for mortgages and car loans from different vendors to get the best rate; hence, multiple hard inquiries from those lenders don't detract. If they did, the bank which first checked your FICO would always give the best rate.

Credit card, cell phone companies, etc. DO detract. Imagine a person applying for ten credit cards at the same time. Or ... a person trying to set up 50 iPhone accounts at AT&T. What do you think the reporting agencies will make of that?

Also, a "soft" hit is when someone requests your credit history WITHOUT getting your express permission each time. Example: your CC company who may give you a surprise balance increase, or another CC company who wants to pre-qualify you, or your mortgage bank who checks your history once a year. Since it's someone who didn't get your permission "explicitly" (you allow your CC company to check your history whenever), that's "soft" and doesn't detract your score.

A 'hard" hit is when YOU explicitly give a new lender permission to get your history. Like a NEW credit card company. Or AT&T when you want to set up postpaid iPhone service.

Currently, consumers generally get TWO "hard hits" in a 12 month period without hurting your score. More than that, and it does.



Posted by: holmern

I work as a loan officer and get this question daily.. Hard hits DO lower your credit score. Soft hits dont.

When it comes to mortgages, in some states the credit agency is required to freeze your rate for a certain amount of weeks (unless u go and apply for credit cards in the meantime) to allow you to shop around for a better mortgage rate.

Allthough if you do shop around ALOT it is still negative for your credit profile since it shows to many inquires for the last 12 months.



Hope that helps



Posted by: tigres013

Quote:
Originally Posted by superlatives
Actually, I had heard that the REVERSE is true.

Credit reporting agencies EXPECT consumers to shop around for mortgages and car loans from different vendors to get the best rate; hence, multiple hard inquiries from those lenders don't detract. If they did, the bank which first checked your FICO would always give the best rate.

Credit card, cell phone companies, etc. DO detract. Imagine a person applying for ten credit cards at the same time. Or ... a person trying to set up 50 iPhone accounts at AT&T. What do you think the reporting agencies will make of that?

Also, a "soft" hit is when someone requests your credit history WITHOUT getting your express permission each time. Example: your CC company who may give you a surprise balance increase, or another CC company who wants to pre-qualify you, or your mortgage bank who checks your history once a year. Since it's someone who didn't get your permission "explicitly" (you allow your CC company to check your history whenever), that's "soft" and doesn't detract your score.

A 'hard" hit is when YOU explicitly give a new lender permission to get your history. Like a NEW credit card company. Or AT&T when you want to set up postpaid iPhone service.

Currently, consumers generally get TWO "hard hits" in a 12 month period without hurting your score. More than that, and it does.


Very well said, I too in the business can say... Well put.



Posted by: pathy5025

Quote:
Originally Posted by superlatives
Actually, I had heard that the REVERSE is true.

Credit reporting agencies EXPECT consumers to shop around for mortgages and car loans from different vendors to get the best rate; hence, multiple hard inquiries from those lenders don't detract. If they did, the bank which first checked your FICO would always give the best rate.

Credit card, cell phone companies, etc. DO detract. Imagine a person applying for ten credit cards at the same time. Or ... a person trying to set up 50 iPhone accounts at AT&T. What do you think the reporting agencies will make of that?

Also, a "soft" hit is when someone requests your credit history WITHOUT getting your express permission each time. Example: your CC company who may give you a surprise balance increase, or another CC company who wants to pre-qualify you, or your mortgage bank who checks your history once a year. Since it's someone who didn't get your permission "explicitly" (you allow your CC company to check your history whenever), that's "soft" and doesn't detract your score.

A 'hard" hit is when YOU explicitly give a new lender permission to get your history. Like a NEW credit card company. Or AT&T when you want to set up postpaid iPhone service.

Currently, consumers generally get TWO "hard hits" in a 12 month period without hurting your score. More than that, and it does.


Actually I think we were saying the same thing, but I believe that Att would be soft. I know comcast is for a fact. I'm pretty sure other utilities are, as are things like pricey gym memberships. Credit cards can be both, if you apply, I think that's a hard hit like you said. I had one of those not-so-free credit monitor things. For a year anyway, I had my score emailed to me every week with a report of who was accessing. Long list of credit card "data-mining" soft hits every time.



Posted by: sportsfreak2159

Quote:
Originally Posted by faroqui
I just spoke to a rep. at ATT and he said if you purchase the phone and cancel the contract w/i a timely manner (3 days i assume) you only pay the 175$ ETF and the 199$ for the phone. I know this has been said before, but other people thought you have to pay for the first month service etc etc and I was told you don't. But, I the rep. didn't know if the disable the phone with the IMEI# or w/e.



I thought that you had to return the device if you canceled before 30 days? no ETF



Posted by: faroqui

Quote:
Originally Posted by sportsfreak2159
I thought that you had to return the device if you canceled before 30 days? no ETF


Well, he told me I could keep the phone by paying the ETF fee w/i 3 days, but he doesn't know if they will disable the phone w/ that IMEI stuff.



Posted by: Mark Booth

Everything I've read elsewhere states that, if you cancel in less than 30 days, you MUST return the phone or pay a HEFTY retail price for the phone. (Presumably, that hefty price will be much larger than the ETF.) And if you cancel AFTER 30 days, you just pay the ETF.

A friend of mine that works at one of those independent cell phone vendor kiosks in the mall said he heard the ETF on the iPhone 3G will be about $100 more than the standard ETF.

It would seem apparent that AT&T and Apple plan to do everything they can to make the whole "unlocking" opportunities (unlocking the phone to use on a different carrier) as cost prohibitive as possible. I guess they've learned their lessons from the first iPhone launch!

Mark



Posted by: EtherealRemnant

Quote:
Originally Posted by pathy5025
Actually I think we were saying the same thing, but I believe that Att would be soft. I know comcast is for a fact. I'm pretty sure other utilities are, as are things like pricey gym memberships. Credit cards can be both, if you apply, I think that's a hard hit like you said. I had one of those not-so-free credit monitor things. For a year anyway, I had my score emailed to me every week with a report of who was accessing. Long list of credit card "data-mining" soft hits every time.


Comcast is a soft hit ONLY if its for one product and no advanced equipment (Ie., DVRs, EMTAs, HD boxes) - anything more and its a hard hit directly with Equifax. Just FYI. This *can* vary between markets. We're a lot stricter about it here in CO because AT&T Broadband screwed us over so much when we bought them out. They let anyone sign up at ridiculously low prices to try and inflate subscriber numbers - those customers in turn ran off with our equipment, etc, we currently have about 1.7M in bad debt in the CO market because of it.

And from what I've heard at&t is a hard hit - just like Sprint, Verizon, and T-Mobile. They all do hard hits on your credit report and Sprint and Verizon hit all three bureaus.



Posted by: hlysmksbtmn

http://www.engadget.com/2008/06/12/...-569-in-europe/

Almost $800 for an unsubsidized iphone 3g in europe.
Is this the price AT&T is going to charge us who are not qualified for an upgrade?!?



Posted by: 1G-Drew

Quote:
Originally Posted by faroqui
I just spoke to a rep. at ATT and he said if you purchase the phone and cancel the contract w/i a timely manner (3 days i assume) you only pay the 175$ ETF and the 199$ for the phone. I know this has been said before, but other people thought you have to pay for the first month service etc etc and I was told you don't. But, I the rep. didn't know if the disable the phone with the IMEI# or w/e.


What about $36 activation fee?



Posted by: CingularWRX

If you cancel before 30 days it is required to return the phone. I cannot see the 3g iPhone being any different (especially this phone vs others). Sounds like the rep was confused



Posted by: 1G-Drew

Quote:
Originally Posted by Mark Booth
Everything I've read elsewhere states that, if you cancel in less than 30 days, you MUST return the phone or pay a HEFTY retail price for the phone. (Presumably, that hefty price will be much larger than the ETF.) And if you cancel AFTER 30 days, you just pay the ETF.



So, why not wait until day 31? Seems pretty silly to make people wait. The reason for the 30-day return rule is because they don't want people canceling the contract w/in 30 days, thereby avoiding the ETF altogether, but keeping the phone. In other words (as repeatedly posted above), your cost of a phone w/o contractual obligation is going to be $375 (or maybe $411 if there's the $36 activation fee).



Posted by: Mark Booth

NOBODY is walking out of an Apple or AT&T store with an iPhone 3G that hasn't been activated (I'm talking about the US here).

The leaked AT&T internal memo CLEARLY states that the return period will be expanded to 30 days but, if you cancel the contract within those 30 days, you MUST return the phone (no exceptions!). Under no circumstances will you be allowed to keep it. If you "lost it", then I'm sure there will be some sort of full-retail charge for the phone. (I'm guessing that will be in the $500-$600 range.)

The leaked AT&T memo also CLEARLY states that, after 30 days, you simply pay the ETF. At that point, the cost would be phone cost ($199 or $299) + ETF (some are assuming it will be $175, I'm betting it will be higher!) + Activation Fee (the iPhone 3G is being treated like any other SmartPhone now, so you can be certain there will be an activation fee) + One month of service (minimum $70):

$199 + $175?? + $36 + $70 = $480

Bottom line: Those that want to acquire an iPhone 3G simply for the purpose of unlocking it to use on another carrier, it is going to cost you AT LEAST $480 plus tax.

Mark



Posted by: BeyondTheTech

Quote:
Originally Posted by pathy5025
Lets say I am out of contract today. I go get a "free" phone from AT&T and lose it down a storm drain, I cannot turn around and get another free phone.


Ya, I don't know what the big hoopla is... Granted, if you go to buy an iPhone, you're not getting one out the door unless it's attached to a contract.

I believe it should be the same with the first iPhone. If you went to the store and bought it outright for $599 for the 8GB, signed up for a 2-year contract, then inadvertently smashed it into a million pieces on the highway, or accidentally immersed it in your latte, you'd have to go to the store again and whip out another $599 for another one and slap it onto your contract.

So, if you get the new 8GB iPhone 3G at $199, then lose it during an apocalyptic battle with the devil a week later, you should be able to walk right back into the store and get another one at $199 and reaffirm your 2-year contract.

Has anyone heard anything clarified any differently? I don't see it anywhere saying it's a subsidized price. $199 = $199 = $199. 2-year-contract required is all that's attached to it. I don't read anything about rebates, unsubsidized pricing, price without contract, or anything.



Posted by: Kwarwell

199 and 299 are subsidised prices.
AT&T / Apple are saying there isn't a non commital price.
You cannot buy the 3g iPhone without a contract.
You could buy and even activate the previous iPhone without a contract.
Now you can't walk out of the store with an iPhone without a contract



Posted by: Xarlon

From Reuters
Quote:
There would be penalties for users who do not activate the iPhone in the first 30 days, AT&T said, in a move aimed at reducing the number of customers who buy an iPhone and tweak it so that they can use it on another network.
http://www.reuters.com/article/mark...annel=0&sp=true

This is all too confusing. The report implies that you can buy the phone but activate it later. Or will they make you sign the contract in the store and activate it later. I just can't see hundreds of people standing in line while each one tries to decide which plan and options to buy. Perhaps they have a kind of prenuptial that ties you into an eventual contract before you leave the store, but allows you to choose which one and activate at a later date? Or are they going to allow the gift option. Why would they have a penalty for not activating if you've already left the store with phone activated?



Posted by: CocheseUGA

Quote:
Originally Posted by Xarlon
From Reuters http://www.reuters.com/article/mark...annel=0&sp=true

This is all too confusing. The report implies that you can buy the phone but activate it later. Or will they make you sign the contract in the store and activate it later. I just can't see hundreds of people standing in line while each one tries to decide which plan and options to buy. Perhaps they have a kind of prenuptial that ties you into a contract before you leave the store, but allows you to choose which one and activate at a later date? Or are they going to allow the gift option. Why would they have a penalty for not activating if you've already left the store with phone activated?



Hmm...I wonder if they'll require a credit card and make you sign an agreement to activate service within 30 days, or take a charge on your card.

But we've seen reports saying you have to activate in-store.


I think it's fluid, we really won't know for a couple of weeks.



Posted by: pig snot

Quote:
Originally Posted by Mark Booth
NOBODY is walking out of an Apple or AT&T store with an iPhone 3G that hasn't been activated (I'm talking about the US here).

The leaked AT&T internal memo CLEARLY states that the return period will be expanded to 30 days but, if you cancel the contract within those 30 days, you MUST return the phone (no exceptions!). Under no circumstances will you be allowed to keep it. If you "lost it", then I'm sure there will be some sort of full-retail charge for the phone. (I'm guessing that will be in the $500-$600 range.)

The leaked AT&T memo also CLEARLY states that, after 30 days, you simply pay the ETF. At that point, the cost would be phone cost ($199 or $299) + ETF (some are assuming it will be $175, I'm betting it will be higher!) + Activation Fee (the iPhone 3G is being treated like any other SmartPhone now, so you can be certain there will be an activation fee) + One month of service (minimum $70):

$199 + $175?? + $36 + $70 = $480

Bottom line: Those that want to acquire an iPhone 3G simply for the purpose of unlocking it to use on another carrier, it is going to cost you AT LEAST $480 plus tax.

Mark


LOL. silly kids



Posted by: RF9

http://www.phonescoop.com/news/item.php?n=3106
Quote:
During its meeting today, the Federal Communications Commission took formal steps towards creating a government-monitored system for early termination fees. Under the terms of Chairman Kevin Martin's proposal, the amount of the ETF would be related to the actual retail price of the phone. So a $100 phone would have a higher ETF than a $50 phone. He also mandated that ETFs be prorated and reduced over the length of a cell phone contract, and that contracts not be an unreasonable length of time. AT&T and Verizon Wireless already prorate their ETFs. Martin did not offer specifics on what government body would monitor ETFs, nor did he say that any federal program would preempt state governmental rights. He also said that contracts that are extended should not necessarily have their ETFs reinstated. Martin allowed that the current proposal would not prevent class action lawsuits regarding ETFs against certain carriers from moving forward.




Posted by: Xarlon

Good Find. If you read the whole article, you might have spotted this...
Quote:
Anne Boyle, who chairs the Nebraska Public Service Commission, said the fees "should be abolished."


I think I like Anne

Quote:
FCC Chairman Kevin Martin did not specifically commit the commission to regulating the fees, but said how such a system should work if it did.


So maybe they'll get around to passing a law in about 5 years...



Posted by: pathy5025

Thought I'd post this, I was wrong thinking AT&T was a soft hit on your credit. I don't want to be "that guy" giving out bad info. Found this listing of common companies that are hard credit hits. Basically all finance/insurance companies, oh and all three major cell companies:

* American Express - for a One Financial account
* Ameriprise Insurance - for car insurance quote
* AT&T - for wireless phone account
* Bank of America - for checking/savings/MM/CD accounts
* Bank of New York - for checking/savings account
* Brown & Co. - for every account
* Chase Manhattan Bank - for checking account
* Cingular Wireless - for wireless phone account
* Citibank - for checking/savings/ e-Savings/CD account
* Comcast cable - for TV/high speed internet account
* Ebank - for checking account
* Everbank - for checking/money market account
* GMAC Bank - for money market account
* ING Direct - for Electric Orange checking account
* Presidential Bank - for checking account
* Schwab - for checking account
* Scottrade - hard pull on Equifax
* State Farm Auto Insurance - for auto insurance quote
* T-Mobile - for wireless phone account
* TD Ameritrade - for IRA account
* UFBDirect.com - for money market savings account
* Verizon - for phone/DSL/VoIP/wireless phone account
* Wachovia - for checking account
* Wells Fargo - for changing address or adding additional account holder on existing account

http://www.thesunsfinancialdiary.co...-and-soft-pull/



Posted by: RF9

Thanks for posting that.
Damn, Comcast? A hard hit just for getting Cable? Yet another reason I'm happier on DirecTV. (This is the part where you find the 2nd list that DirecTV is on. LOL )



Posted by: 1G-Drew

Quote:
Originally Posted by RF9



What a stupid system of price regulation that would be. If you're going to mandate something, mandate that the ETF, whatever it is, be reduced pro rata over the length of the contract. Very simple.

If they have a sliding scale it only discourages subsidies, since the greater the subsidy (and the lower the price of the phone) the lower the ETF. (Not that eliminating the stupid subsidy approach wouldn't be good)



Posted by: CocheseUGA

I say have a flat $30 contract cancellation fee, and your ETF be the balance of the retail price of the phone. Pro-rated of course. Or, you return the phone for another $20.

It's simple, it's fair, and really only hurts those people trying to get expensive phones for cheap.

You cancel your iPhone contract a month in, you'd pay $30+$383.33 (assuming $600 value, $200 sub price, and equal valuation over the course of a two-year contract). Or, you return the phone and pay $50.

I think my math is right.



Posted by: jvanbrecht

Quote:
Originally Posted by CocheseUGA
I say have a flat $30 contract cancellation fee, and your ETF be the balance of the retail price of the phone. Pro-rated of course. Or, you return the phone for another $20.

It's simple, it's fair, and really only hurts those people trying to get expensive phones for cheap.

You cancel your iPhone contract a month in, you'd pay $30+$383.33 (assuming $600 value, $200 sub price, and equal valuation over the course of a two-year contract). Or, you return the phone and pay $50.

I think my math is right.


Of all the things I have seen you post.. this makes the most sense... I actually like this idea



Posted by: RF9

Quote:
Originally Posted by CocheseUGA
<snip>
I think my math is right.
I totally agree. I think that's what the FCC was trying to essentially mandate or encourage but in more flexible terms.
Hence the more expensive the phone, the bigger the EFT, and pro-rate it.
But as usual, I'm sure the way it's worded will only make things more complicated for consumers and foster even more hatred toward greedy carriers rather than see it in their favor.

Exactly what you said. Let the carrier recoup the exact number of $$ and recover a few other fees related so you become essentially a $0 loss.
Make it not be a penalty, but a subsidy recovery fee.

(unrelated) I can't believe in Canada they have 3 year contracts. Holy crap.





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