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I have a positive tab balance of $75......you are advertising an Iphone for $125 + $15 monthly tab for 24 months......my plan is currently $60/month (not paying on a phone, thus accumulating the positive balance). If I buy the phone does my positive tab come off the $125, or the first several months of the plan or what? After the positive tab is used, do I still pay the $60 or will my bill go up for same plan?