I have been in the iPhone Upgrade program for years. What that meant to me is that every year I would upgrade to the newest iPhone and start a payment program that was for 24 months. It was financed through Citizens bank at 0%. Basically, my payment was 1/24th of the cost of the phone each month. After 12 payments, it was eligible for an upgrade, so I would trade it in each year for the new models when they came out. The trade in paid the loan, so it was closed and a new one for the new...

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