My next bill will be due by October 10th, which is the bill that I already paid the Next 12th installment on. That bill will not include the installment payment, since I prepaid it last week. The bill after that will be due November 10th and, if I don't have my phone by then, would include another installment payment. To me, it makes sense for them to make sure I am not charged for next month's installment since I already paid it. They just went a step further and said the next installment DUE will also not be charged. So, if my phones arrive at the time they state (10/16-10/23), I should be paying on them by the October bill (due in November) and not the current phones I have.