When it says "Get a $200 bill credit when you activate with the Google Pixel 4a 5G with Fido Payment Program on plans starting at $45/month", if I already have a $45/month plan, would the bill credit still apply?
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Yes, you will get the $200 credit when you upgrade to the specific device providing your current plan is eligible to do a hardware upgrade.
You will know if your current plan qualifies when doing the upgrade online it will give you the option to keep the existing plan if not then you will have to choose a current in-market plan.