I'm not sure about T-Mobile but I can tell you why for Verizon Wireless.
When you buy a phone under contract you get a discount price, for example 2 year contract on LG Cherry Chocolate would be $99.99. This is the standard accross the board when you buy it at the store or over the phone with a rep. WHen you order the phone you are offered a $50.00 mail in rebate, which will take the price down to $49.99. However, when you order the phone online you get the mail in rebate automatically so you pay $49.99 without having to wait for the rebate.
To put it simply, online you get an instant mail in rebate, order at the store or over the phone with a rep you have to wait for the rebate.
Hope that made sense.
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