I am currently on a $50/month plan with a $5/month tab charge (total bill=$55 plus tax). I get 750 mins talk time, 750 mb data with that plan among a few other things. I'm thinking of switching to the new $45 plan (shock free) that includes 500 minutes of talk time and 1 G of data per month. I have $76 left on my tab and in order to change my plan I'm told I have to pay that off first. Once I do that will I then begin building a tab up from that point forward? Also, with the plan I have now, I contribute $5 and Koodo contributes $7.50 towards my tab monthly. What happens when I buy a new phone and I have to begin paying towards a tab again? Does Koodo still contribute toward that tab monthly. If not, how does the guaranteed 2 year pay off work if I'm only contributing $5 or $10 toward a $360 tab, for instance? At the end of 2 years I would still have an amount owing on my tab. Hopefully this all makes sense and you are able to provide me with some answers.