One thing that I have not seen discussed is the credit card warranty extension impact if I purchase my phone in installments from tmobile vs just paying for the whole phone upfront on my credit card. I would think that you would not get the extra coverage if you purchase it in installments bc then it just becomes part of your monthly phone charge. Also if I buy a phone at the tmobile store do I get 5x points with my chase ink bold card or is it coded differently than when I pay tmobile monthly.