It is unlocked. just got the phone and popped in my puretalk(ATT) sim and it worked right away!
Even though it is refurbed, you get 1 year warranty from Apple directly and not straightalk. -justned
Apple warranty correction program post
You may have the option (if it's unlocked) to pop in an AT&T SIM and get high(er) speed data via HSPA+. However, the phone will never work with LTE on AT&T or T-Mobile, since it doesn't have the correct radio built in. Verizon will also never activate the phone on their network. Basically, you will have no option to get real LTE on this iPhone 5 from Straight Talk, unless they change their mind in some hypothetical future and support it on their network.
Some places out there offer 30% cash back on iPhones from Straight Talk. [for those curious, search for "30%" in this thread; dead though as of 10/16/13.]
Buy the phone with your Chase Ink Bold and you'll get 5% off on top of that. For me, it's not worth it though to only get 3G with Verizon (via ST), or to only get HSPA+ via AT&T.
For those looking to use it on PagePlus: I was using a different phone on PP, then ordered this phone from ST, did an ESN (IMEI) swap and the phone works perfectly well. The only issue I had was finding a dealer that would do the swap. -signetv
Beware of bait and switch. I placed an order for iphone5 and the order was magically changed to iphone4s at $50 more, and no I did not make a mistake. Tried to cancel but it was too late. <----Not really a bait and switch. Page is just badly designed.
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