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The amount I pay every month was I think predicated on what size tab I chose. I heard that when it's all paid off through that 15% percentage, it starts adding up positively into a new tab that can be used for an upgrade or something.
Is there an option once I pay off my tab to, instead of accumulating into a positive tab, have my monthly bill reduced in lieu of having a positive tab, as I'm not interested in new phones.