Hey I understand the whole bill credit thing but I find when I go to check out to upgrade my phone the price gose from $50 (with credit down to $15) to showing its $56 a month its not much money but I would still like to know why its $6 more the what its list at.
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Welcome to the community!
Since you're aware of how the after bill credit works, you'll note that the actual cost of the financing does not change. I believe the $56 is the financing amount including taxes (see here).
Hope this helps 😀