Welcome to the community!
To answer your question, the "after bill credit" means you are receiving a promotional credit for the duration of your term, applied separately from the original price of the device. However, you mentioned the price went up after checking out. Do you have a screenshot to support this?
Let us know!
I'm having the same issue.
Trying to get a new device: Samsung Galaxy S10 on the 9GB for $50 plan
In the initial steps where I chose the phone and plan, the bottom of the screen shows monthly fees to be $50 + $19.99=$70
But when I get to the last screen, it shows $50 + $65.91 - $38.34 (promotional credit) = Subtotal $77.57
Subtotal + $1.52 tax. Why is the subtotal coming up an extra $7.57/month?
After I ran the numbers this is what is happening.
The phone is $58.33 originally but currently, they have a promo making it $19.99
But they are charging us like this $58.33+tax = $65.91 - $38.34 = $27.57 + ($50+Tax $1.52)
We are paying the tax on the full original amount and not the promotion amount then the credit is applied after tax.
To explain the charges and credits as you see them on the checkout page, they will be split in 2 parts. The first one being your regular monthly service fees (price plan, add-ons, etc.) - the bill credit.
Separately, you'll have the financement portion for the device. Note that they will appear separately on the invoice as well, and that taxes apply to all amounts.
So based on your screenshot, you would have the follwing:
Hope this helps!