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Really? Then in that case most people shouldn’t have their carrier-subsidized phones because they’re not paying for them upfront. In case you forgot, that’s what the 2-year contracts are for–for T-Mobile and all the other companies to makeup for the money they lost in providing you that free or discounted phone. Way to use logic…

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How can it possibly be compared to people earning 30k and losing their 500k houses?

How is this going in to debt? Don’t you usually pay interest on a debt?

Also, I assume the ones acting high and mighty have zero credit card balances, or any debt at all apart from a mortgage? No, didn’t think so.

I earn decent money and have a stable job, but when I upgrade to the Curve 8900, i’ll probably spread the payments over two or three bills.

I don’t know why people have to act like dicks…

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QR

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When did you obtain the judicial and economic credentials to determine what the general population [the general population you refer to as "idiots"] is capable or incapable of affording?

Who’s the troll? Got a mirror? Understand how to operate it?

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Posted from BGR Mobile (iPhone) at: Troy MI, 48098

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What have you contributed to the site? Oh, Im sorry I happen to know history of things a little more, and I WAS a T-Mobile customer for 5 years till they tried to tell me that my QUAD BAND SDA was getting less reception then buying a new phone that cost 3x as much.

And as for my “Sprint soaked panties” all Im saying is that if people are on T-Mobile as it is, their phones are already cheap enough with a contract that any idiot can get one.

So whos the troll now!?

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Your limit is between 120$ and 500$ and it can be used for all phones and accessories over 20$.

Two examples. I buy a g1 and have a limit of 500$. My purchase is divided by 4 and I pay one payment plus all the taxes up front. The additional 3 payments are on my next three bills. In this scenario, I would pay 45$ plus tax.

I buy a g1 with a limit of 120$. The g1 is 179.99 so my three bill payments equal 120, with me paying the remainder plus taxes up front. I would pay 60$ plus tax.

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Just to clarify: T-Mobile isn’t just breaking up the cost of the phone unto 4 simple payments…

What happens is that each customer is internally rated and prequalified for a specific line of internal credit.

Let’s say you qualify for a credit line of $120…

That means, if you want a phone that costs $320, you have to come up with the difference between what your phone costs ($320) and your credit line ($120) and pay this amount ($200) up front at a corporate store or billed to your next statement. Then the remaining balance ($120) is prorated over a 3 month window.

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I mean, sure T-Mobile is cheap (not as cheap as Sprint my opinion), but if your already with a cheap carrier, and then see an extra $50 added per month because of your new $200 phone (keep in mind your also paying FULL PRICE TAXES ON THIS TOO, so think more like $60 a month), on top of your already $48.00 plan – it really throws people off even if they know its going to be included.

Hmmm… High price phone one time fee upfront vs. high priced bill for 4 months which when you lose your job in 4 months, now your stuck paying a bill, a phone, and a 200$ cancel fee cause you restarted your contract.

Think about it !

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So, T-Mobile ISNT the first one to do it, however, I dont think its a wise idea unless its for upgrades personally, because new customers generally get their phones less then upgrades anyway – so there has to be some minimum limit of a $199+ phone to be on the plan right? I mean, if you cant afford $99 for a new phone then you shouldnt be on T-Mobile and should be on Virgin Mobile instead.

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