Long story short... I bought a new iPhone 6s at the apple store with the upgrade program. I was approved for the plan and left the store with a fully functional activated iPhone through Verizon. 6 Months later, I need to cancel the plan since my employer gave me a new work iPhone for work. I called Citizens to pay off the plan so I am free and clear and to my surprise my account has a zero balance with a credit limit of $750, the amount of the iPhone.....hmmmm. the account was setup but never charged!! The payment plan was set up on autopay thru a credit card I rarely use so I never noticed there were no payments being made. Am I liable for the cost of the phone? Or should I just call and cancel the line of credit?