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Old Apr 14, 2021 | 1:49 pm
  #268  
pseudoswede
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Originally Posted by Need
Really? I thought you would have to pay the remaining balance, but then you would stop receiving the remaining credits on the trade-in phone because you will be on a new 24 month credits on the new phone? If I only have to pay off the balance ahead of time but still get it back later, there is really no reason to not trade in iPhone 11 for 12.
Per T-Mobile's website...

You may have one Recurring Device Credits (RDC) promo per line at a time. To get a new Recurring Device Credits (RDC) promo and keep your current credit, you must pay off the existing EIP first.
  • If you pay off your EIP early, you’ll continue to receive the promised Recurring Device Credits (RDC) as an account-level credit through the remaining months of the promotional credit period (up to 24 or 36 months).
That said, I have heard stories about RDC not being moved to account-level (recurring) credits properly. You'll need to watch your account like a hawk for 2-3 billing cycles.

After discussing with a super-helpful T-Mobile agent, we're just going to wait until September and gamble there will be a similar trade-in promotion.
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