Who is at fault here? Apple or Verizon? Both? I have Verizon and always buy my phones unlocked directly from Apple. Using Apple Card 0% financing, Verizon wanted to hit me with a $40 upgrade fee. What is that about? I was going to pick another carrier to get around the fee, but was not sure if that would have worked. 🤷🏼♂️ I opted for full price instead and was not going to hand $40 to Verizon just because fee.