DO NOT FALL FOR THE $200 ACCESSORIES IN-STORE CREDIT (BC SALES TACTIC).
If they tell you in-store that they are offering this. Tell them "NO" I don't want it and just buy your phone online and do the process online. What it is, is the store trying to sell you additional products without you knowing thinking its a bargain. Well it's not. You are still paying them $200 for the products. AT&T DOES NOT CHARGE YOU AN ADDITIONAL $200 in financing for a new phone. It does not say it in their agreement or policy.
If you really want to mess with them, ask them where is it written in their policy that you are charged an extra $200 dollars for anything. Or worst tell them you just want the phone and you don't want $200 in accessories[Per Guidelines: Keep it Relevant and Appropriate].. I've been an ATT customer for many years and this sales tactic is a lowball. This is why when you buy anything online, they don't charge you $200 dollars and split it between 6 months adding another $30 to your bill. DO NOT BUY IN STORE AGAIN.