It would be an amazing thing for you guys to do, if you could make it so that if you have a credit on your bill after you pay it. That you could put that credit towards paying off the tab!! In my opinion, it would make your company soooooooooo much better. instead of taking forever to pay off a medium or large tab. That way people could always get the best phone they could have. you can make it that only a percent of what credit you have goes on the tab like 50% and the rest gets forfeted. Also it could only be available on certain phones, or certain tab sizes. look forward to hearing about it from you guys!!