if so, was it easy to make the final pay off? I was told prior to making the 12th installment payment to AT$T that if I changed my mind and wanted to keep the phone, I could just call in and pay the last payments. well we have someone that wants to buy hubby's phone, so I called to pay off the phone and they said they couldn't do it!!!!! they said I could cancel the order for the X and reverse the upgrade. Worst part is that it wasn't just ONE rep that told me I could pay it off easily if I changed my mind!