New iPhone - Carrier Unlocked or Locked
I decided to get away from buying iPhones through my carrier. I just ordered a new iPhone through Apple's website. It gave me an option to choose my carrier or unlocked. I chose my carrier (AT&T). I then chose Apple Card Monthly Installments. Which was a weird to begin with. I went to checkout and it said they couldn't approve monthly installments, so I tried it two other times and it finally worked on the 3rd try (I already have an Apple Card with a pretty good credit limit and zero balance. I pay off the Apple Card every month). Anyway, that's a question for another day, why I would get that "unapproved message".
Anyway, so I ordered the phone, chose AT&T as my provider and picked Apple Card Monthly Installments. Please let me know if my thinking is correct:
The phone will arrive ready to go and all I need to do is activate via the on screen instructions
I'll pay Apple for the phone
Phone will be unlocked (or will this be locked even though I made sure NOT to choose AT&T installments)
Is my line of thinking correct?