Has anyone (who got the iPhone X on launch day) who also just got the XS on launch day under the iUP, just get billed for technically the 13th month for their old loan? I say 13th month, because the XS pre-order required an early upgrade fee of one month's cost due to it only being out 11 months total. Will this payment be refunded once Apple closes out the loan? I sent my iPhone X back in last week, but it's still processing. I just called Citizens One and they said it's up to Apple.