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This credit continues for the entire 18 month lease period – giving you a total of 6 in credit – as long as you don’t switch or JUMP! If your current phone’s trade-in value happens to be worth more than the 6 offered in this promotion, T-Mobile will refund the difference as a one-time credit on your bill. However, it’s worth noting that you’re still subject to the terms of your EIP agreement. Credit Classes, Down Payments and Purchase Option Prices T-Mobile sold this whole move as being able to sign up to a lease and get a new phone without paying anything at all up front. But that only applies – as usual – to those with good credit who T-Mobile regards as “well-qualified”.Damage Fees Whenever you return a leased device – whether it’s at the end of your term or to upgrade – T-Mobile staff will check it for damage. In other words, you’ll have to pay off any remaining EIP balance before signing up to the lease deal. Remember, for T-Mo that now includes anyone who has successfully made 12 consecutive monthly payments.That’s .21 over the first 17 months and .18 for the last installment. Actually prices/amounts will change depending on which phone you want. Purchase Option Price is the term used for the figure you’ll need to pay (plus your lease payments and any possible deposit) to own the device.If you’re well-qualified and don’t pay anything up front, you’re monthly lease payments are higher to cover that 0 deficit. Sticking with the example above, we’ll assume you’re at the end of your 18 months and that you’ve paid your monthly lease payments every month, as well as your initial 0 deposit.Staff in stores will be trained to perform a three-point inspection.Phones that don’t meet certain standards, or show signs of damage will be subject to damage fees (detailed below). , handset insurance isn’t included within the price of the program.

After the first month, you must provide a credit card to continue this coverage at its regular price of .99 per month.Once you’ve done that, T-Mobile will send you an ownership certificate on your next month’s bill. Customers who excercise their right to upgrade do have to change to a different model of phone, or at least, change to one with a higher storage capacity.That means you can’t just change from a white 64GB i Phone 6 to a black 64GB i Phone 6 just because you fancy a different color.So, if it’s going to cost you more to return it, it’s worth considering paying to own the damaged device. There are two you should get familiar with: Capital Cost Reduction and Puchase Option Price.Capital Cost Reduction is essentially the down payment, or security deposit, that customers will need to pay if they don’t fall in to the “well-qualified” credit classes.

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