A few (okay probably more than a few) months ago, I signed up for the Citi AT&T Access More card. The signup bonus was to spend $2000 in the first 3 months and get a free phone (up to $650 in value). This card is no longer available for new signups, though you can product change to it (but without the free phone signup bonus) I dutifully met the signup bonus and then went to get my phone, through the special link on citicards.com. But when I went to order it, I somehow messed up the verification questions and my order was denied. And then the link was gone! I talked to Citibank and they said that I could just go into an AT&T store and buy the phone on the card, save the receipts and get the reimbursement manually.
Months and months have gone by and I just keep meaning to get to the store to buy this phone but keep putting it off
Okay I’m the worst
I know I know I’m the worst and that it’s horrible that I’ve let $650 just sit around for this long. If you’re horrified by that, you DEFINITELY don’t want to know how many 5-backs with $25 on them that I have in my bedroom just lying around… 
But anyways after months of procrastinating, Carolyn finally made up my mind for me by saying that “mama wants a new iPhone”. So… I guess we’re going to use that credit to get her a new phone 
Problems at the AT&T Store
So after all this waiting, tonight I finally went to the store, and the guy said that I can’t buy the phone outright. They said that it’s a fraud prevention mechanism and that I’d have to put the phone on the installment plan, pay for the taxes and such, and then tomorrow I could pay the phone off. According to the guy I talked to, that’s how every store works (but of course they would say that…)
But… I wasn’t sure if that would work for the credit so I thought I’d throw it out to you guys –
Anyone have experience buying the AT&T phone in-store with the Access More card? What’s the best way to do it?