For those you that like to pay phone off in full and not be locked into a carrier for 24 months waiting on monthly bill promo credits, I was able to trade in iPhone XR and get $440 off the iPhone 12 instantly at Best Buy with verizon as my carrier. I did online order with in store pickup. No hassle with mailing old phone in either, trade-in is done when I go get the new phone. Order price for phone including tax was $385.19 after trade.