I would like to see more options for how much I can contribute to my tab. Like an add on to contribute five dollars per month towards my tab. OR when I go to pay my bill by credit card put an extra box that lets me put any amount I desire towards my tab. The whole point of this being that you could pay off your tab faster if you want by putting a small extra amount of money away every month in the hope that once you pay off your tab you could start accumulating a positive balance to put towards your next phone since they just keep getting more expensive in order to avoid having to pay a huge amount at once. Just a thought.