T Mobile Bill Credits Explained. More importantly the use of bill credits for the rebate ties you into T. They are bold face liars.

I even questioned them and they said dont worry you will get bill credits. One time bill credit. If successful each month youll get a credit equal to the amount of your EIP payment making the phone essentially free assuming you stay for the full 24 months.
T-Mobiles billing system and bill credits are downright awful.
By giving you a monthly credit for 24 months vs a full credit up front if you leave T-Mobile before it is paid off you will have to pay the remainder of the balance and will be out those remaining credits. Change of Responsibility and EIP. My T-Mobile Online Access Messages Minutes Bills T-Mobile. Allow 2 bill cycles.
