I've been trying to read up on Apple's site as well as Youtube channels but I'm just not sure I'm getting it. I am on Verizon and want to upgrade to the iPhone 7 when it comes out. I don't have an upgrade under my line (I'm going to use my brothers because he used mine). So how does the Upgrade Program work? Do I really only have to pay the monthly 30$ or so for the phone? Do I have to open a credit card with Apple or can the money just be taken out of my bank account? If I'm doing the leasing through Apple, what monthly payment do I still have to make through Verizon?