AT&T NEXT 12 actually requires more than 12 payments! More like 13 or 14 to get a new iPhone. The problem is that I cannot place an order for a new phone until I’ve made 12 payments. Then, until the new phone arrives and I have returned my existing phone, AT&T continues to require me to make payments on my current phone. Because of how my billing cycle lands, this means TWO more billing cycles for me. So, I have to pay 14 payments instead of the advertised 12 payments. Does anyone know of a workaround for this?