I am wondering.. I am on the Tab L. It's aaalmost paid off, except, the past few months I haven't been able to pay on time after my son got hospitalized and having to pay for his medications. But now that I am back on track, I was wondering if they will do another credit check if I get a new phone? I have the mega and would like to upgrade to either S5 or Note 4 once the tab is 0. Thanks in advance.