Yea, I have that $20/line credit also. It's crazy. Even if the plan was the same, I save $60/month total on 3 smartphones. That means I could buy 1 expensive phone/year and still come out a few bucks ahead if I sell the old phone. I don't touch my plan because I fear they will screw up the promotion. My daughter is getting the last upgrade we have because it's useless after the 28th. I have the Maxx, my wife has a Bionic (that she likes because of the hacked Atrix docking station), not sure what my daughter will get.