I would suggest for ease if you plan to pay off the payments to do it now online through your ATT account. I just did it and it only took a min for the payment to process and 5 min later my upgrade eligibility says eligible now (instead of you must pay off the remaining 12,18,24 or pay in full message).
It may make things much smoother later tonight.
FYI I have a 64GB iphone 6 and on the Next 18 and paying $31.25/month and was up to payment 12. It made no sense to pay them $187.50 and have to give back the phone versus pay it off for $375.
For the $375 I just paid I guarantee I can resell it for $450 (maybe more); instead of paying $187.50 AND trading in the phone. It's a ripoff if you have the money to pay it off and resell it.
Even if I only get $400 in a worst case scenario, Im still up $25 versus being down $187.50.
It may make things much smoother later tonight.
FYI I have a 64GB iphone 6 and on the Next 18 and paying $31.25/month and was up to payment 12. It made no sense to pay them $187.50 and have to give back the phone versus pay it off for $375.
For the $375 I just paid I guarantee I can resell it for $450 (maybe more); instead of paying $187.50 AND trading in the phone. It's a ripoff if you have the money to pay it off and resell it.
Even if I only get $400 in a worst case scenario, Im still up $25 versus being down $187.50.