im a koodo customer of many years. I've paid off my tab a few years ago and now have a bit of a tab credit. my iphone went kaput today and I now need a new phone. I went to cash in my little credit and get a new phone, but every one has this "tab charge" on them now. So for me to go to the samsung galaxy s4 i will have to pay $12 per month for two years. Is there any way that I can upgrade without adding an additional charge to my bill? like i did when I first started my koodo account?