I'm confused. So they take your trade-in phone and charge you the full price (ie $399 plus tax for the base 64GB model) and then "provide in the form of bill credits"? credits in one bill or over 24 months? Lol
They pay it over 24 months...I did it when I traded in my 6 for the Xr but wasn't worth it on such a long period and being locked in to get the full credit.