Sorry if this is a repeated question. I was planning on paying full price for a Iphone 7 but was talked into the upgrade program. Since its 0% interest and I have the money to pay it off now I decided to sign up and just pay in full asap. HOWEVER after reading posts and reviews apparently if i pay it off and want to trade it in after 12 months i won't get the credit for the second 12 months as the upgrade cycle would start over on the new phone. Any one have ideas on how this works? should i just pay 12 months now and wait it out?