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I am pretty sure you will get your reward on your first payment because as soon as you have reward on your account, it should count on your bill. 

it’s fairly easy to unlock an iPhone. You can check up on YouTube and it should be good! I hope it works 

Hi,  you should try hard resetting your phone By holding the up volume button and the power button! Also, try taking your sim out and putting it back in. Hope it helps