I went into this AT&T store to upgrade my phone. The commercial said that it was a free upgrade, so that is what I did. I had to return my old phone, so the credit was not run at time of purchase. Because of that, AT&T put me on a 36-month payment plan at $27.78/ month, but they also give me a monthly credit, so the total installment is 0. However, I have discovered that if you want to leave AT&T, you have to pay off the phone as though you did not upgrade or get credit for the old phone. I would consider this false advertising, because it was not a "free" phone upgrade. It is essentially signing a 36-month contract, even though they advertise "no contracts required". They also did not say anything about this payment plan at the time of purchase, only after I went back in to discuss the bill. read more