I am making the switch when the new folding iPhone gets released and like many am left in confusion. I read on Apple Store website that once you make the 12 payments on your citizens one 24 month loan it canceled out your plan and you just trade in the phone to Apple and that cancels it out basically and it’s like you paid for half and you are giving the other half back to them and upgrading. Am I correct in thinking this. Thanks for any help you can provide. Hope you have a great night!