There is no higher credit. Your sources were incorrect.I'm going to try to help clarify some things here, since new people are still jumping in on this thread, and it's already getting unwieldy at 150+ pages looking for answers:
Your monthly lease agreement will not show any discounts or credits. They are always applied at the billing stage. If you got in at the 'Amped' JUMP! on Demand (AJOD) promotion of $15/19 per month for the 6/6 Plus prior to Labor Day (9/8/2015), you will stay at the $15/19 per month when you JUMP! to the 6s/6s Plus. If you got in at the JUMP! on Demand (JOD) promotion of $20/24 per month after Labor Day (9/8/2015), you will stay at the $20/24 per month. Reasons for the pricing in the 'device agreement' will be explained further below.
Partially correct. While preordering only on Saturday or Sunday, if you happened to request to get a higher memory variant, they would've given it to you for no money down, no increase on your monthly bill, and no increase on your payoff. While I was on hold with T-Mobile for 35 minutes on the night of the preorder, I found this out by stumbling upon this HowardForums thread that started blowing up right before the launch.
Notice how I said 'monthly bill' and not 'monthly lease agreement,' as your monthly lease agreement will obviously increase, but you will be credited a higher monthly amount to offset the difference. That is why you will notice a higher monthly amount in your lease agreement, but again, it will be credited accordingly in order to bring it back to the original $15/19 or $20/24 per month promotional lease.
Source: https://www.reddit.com/r/tmobile/comments/3kpoz5/tforce_officially_answers_faq_regarding_iphone/
Quote: "It’s an additional monthly credit towards the EIP for the higher memory variants."
If you paid for a memory upgrade during your preorder on Saturday or Sunday, it's a done deal and they won't refund you the amount. If the preorder was done after Sunday, it's even more of a done deal, so don't even bother. You could try reaching out to them, but chances are slim, as the whole 'free memory upgrade variant' was an anomaly in the first place.
Source: https://www.reddit.com/r/tmobile/comments/3kpoz5/tforce_officially_answers_faq_regarding_iphone/
Quote: "If people have already placed orders without knowing this info, unfortunately there’s nothing we can do at this time for those customers."
Source: https://www.reddit.com/r/tmobile/comments/3kq10m/explanation_about_free_storage_upgrade_from_johns/
Quote: "The way he explained it was that the free storage was not supposed to be a thing, but then John gave them the go-ahead to honor it, and T-Mobile is essentially paying the $99 upgrade costs themselves. That's why the bill credits don't increase."
It's been confirmed multiple times with T-Force (@TMobileHelp on Twitter) and managers at their Solutions Center that the 'magic math' is done for two simple reasons:
1. Apple is very 'particular' of the way their products are marketed and sold. I don't believe any Apple authorized retailer is allowed to directly discount the price of the phone. They can only offer indirect credits, rebates, bonus gift cards, incentives, and the like. If you notice, Samsung and other Android manufacturers, they sometimes have major price drops, and while it's nice to get a discount, it also makes them look bad, as if they're unable to sell it at their original asking price. Apple won't have it that way. So while these numbers look initially strange and unnerving to the customers, it's because it will be resolved at the time of billing when and where the promotional credits and discounts will be applied.
2. More importantly, in the event of terminating your wireless service with T-Mobile, you will lose any further monthly credits and you will be billed at the original lease agreement pricing. For instance, if you were getting the AJOD $15/19 per month pricing, then exercise their new "Lifetime Coverage Guarantee," you will then be billed going forward at $36/42 per month as stated on your lease agreement. This is the part where they CYA themselves because you can't expect them to give you a $180+ discount on a brand-new, unlocked flagship iPhone, just so you can take it to another carrier after a month.
So, as long as I stay with T-Mobile, at least for the duration of the lease:
both resulting in an immediate savings of $1000 in down deposits for the memory upgrade, or an individual discount of $370 per device.
- each of my three 128GB iPhone 6s Plus'es are $0 down, $19x18 months, and $228 payoff, totaling $570, and
- both of my two 128GB iPhone 6s' are $0 down, $15x18 months, and $200 payoff, totaling $470,
One could ask, 'How could they offer such discounts at all on the iPhone?' Other than the 'free memory upgrade,' if you recall, they're offering customers the ability to JUMP! up to 3X in a single year. For a product they've already pre-purchased that you're financing, they're counting on you to give back a working device that they'll finance or sell to someone else as a "Certified Pre-Owned Device" at a slightly lesser price. Rinse and repeat for profit.
My conversation with T-Force:
Their response:
Lifetime Coverage Guarantee Source: http://newsroom.t-mobile.com/news/company-news/lifetime-coverage-guarantee.htm
Quote: "Customers who cancel service and remain on a T-Mobile financing program will lose any promotional pricing credits and return to standard JUMP! On Demand pricing for their phones."
AJOD will have a higher monthly credit, but regardless will have the same payoff at the end. It was initially stated that the standard JOD payoffs for an iPhone 6 and iPhone 6 Plus were $164 and $192. However, my lease agreement shows the payoff for an iPhone 6s at $200, and the payoff for an iPhone 6s Plus at $228, both a $36 increase, likely due to taxes.
Source: http://www.tmonews.com/2015/09/t-mobile-iphone-6s-and-iphone-6s-plus-pricing-fully-detailed/
Hope this helps.