I got this month's notification today from Citizens Bank about my iPhone loan. I will make my 12th payment on August 13th and I was a day one purchaser of the iPhone 7. Is there anyone else like me who is concerned about having to pay for a 13th month before the iPhone 8 comes out? If the phone is released after the 13th then can we avoid this payment? Not sure if there is a way to change the payment due dates.