Been in the upgrade program for a few years now. Currently have an 11 (which I got on release last year) and looking to upgrade to the 12. The monthly cost of the 12 is about $6 higher than my monthly cost of the 11. I see the Apple Card monthly is a bit lower. What are my options being in the middle of the upgrade program? Can I send phone back and be done with contract? Can I just buy it outright for the 9 or 10 months and the just trade it in? Not sure what options