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My iphone 5 which I just replaced with a 6+ is already paid in full, why 14 days to unlock?

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I just got a new iPhone 6+.  My iPhone 5 is now over 2 years old (got it release day) so the contract should be paid off.  Why do I have to wait 14 days to unlock it?  I understand the 14 days is to prevent a return, but if the phone is already paid off why would it matter if it is unlocked or not? 


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