Hello. I'm interested in getting an iphone 7 but as you know carriers don't carry ****. However there are some 7+'s available in my city in the Apple store. I'm not prepared to pay full price up front, I am willing to pay monthly though. So before I do this I just wanted to ask some questions: 1. How high does your credit score need to be before even applying? I read that you need some decent credit, and some people even claimed that they were approved even with a below average score, my score is 666 right now "average" (Speak of the devil, literally LOL) 2. apparently people are saying that they take your card and swipe it during this process. when they swipe your card, are they seeing if you have enough to cover full price or just to check your credit? 3. even after all of this, is there a upfront cost you need to cough up? or just the taxes of the phone? 4. Do I need to activate a data plan or can I just take the phone? I've read somewhere that you have to activate the phone in-store which required some people to open an account with the specific carrier but then close it right away just to get the process over with.