In addition to being eligible for upgrade on both my lines with VZW, my wife (the primary account holder), has an additional $50 loyalty credit. So theoretically, if the iPhone 4S/5 was $199 then I should be able to get it for $150 for her, and $200 for myself. However, when I check for eligbility online through store.apple.com from the iPhone 4 product page, it returns the current iPhone 4 as being sold to me for $199 (16GB model) on my wife's number, as well as mine. Is it true that the additional VZW loyalty credits can only be used if ordering through VZW directly? Here is my chat with an online Apple rep, but I'm not sure he entirely knew what I was talking about since he said its not a common problem. I would think it HAS TO BE a common question, since many customers get the additional credit. Also, I asked about the iPhone 5. His answer is interesting but I'm sure it doesn't mean anything one way or another, right? You are chatting with XXX, an Apple Expert Hi, my name is XXX. Welcome to Apple! Hello! Welcome to the Apple Online Store! How are you doing tonight? Quick Q. I look up my eligibility online through your store.apple.com for the iPhone, and it says I can upgrade for 199 (16GB version) Alright, how can I help there? but on my online verizon account, it says i have an additional $50 credit "loyalty credit" as they call it That would be separate from the Apple Online Store, and would not be able to be used here. Is this a common problem? B/c a lot of people get this additional credit This would not be a common problem, but here we would be separate from their credits and we would not be able to use those credits. OK. Also any insight on the iPhone 5? There would not be an iPhone 5 to have insight on. OK - hey thanks for your help!