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I have paid off my small tab for a nexus 4 and now am +35$. I thought once you have paid off your tab that your monthly cost would decrease by however much your tab cost in the beginning (I was paying 39$ plus my 3.25$ tab= 42.25 a month. Now on a positive tab I am unsure what I can use this tab for or if I can stop the tab and pay just my original bill without the tab(39$$ a month)