I have a $15 per month plan & chose 10% top-up. The $15 plus tax comes off my credit card monthly. I now have $21 Current Balance. What exactly am I able to do with this $21 Current Balance. Can I use it one month to pay my $15 per month plan? If I cancel my phone with a Current Balance with Koodo, do they give me that money back? Just don't understand why I actually have this.