HIGH DOWN-PAYMENT​ Upon complete review of your account, I can see here that you indeed were able to get your previous phone before without down payment. This is due to your available equipment credit being sufficient to the price of your previous phone. However, the system recommends a down payment this time because you still have existing EIPs aside from this. No worries! Down payments are actually deducted to your monthly installments and it will definitely make your monthly installments lower! Was I able to clear things up for you? ---- That's a really good question, XXXX! As you know technology improves on devices year by year and those innovation would mean that devices would cost more. That's why this time you would need to make a downpayment because the device is more advanced than the previous ones and lock on the bright side you would pay less on a monthly basis than you normally would right? ---- I really love your question Maria! I know downpayment sometimes are mystify, Device are getting extravagant and it depends on the cost of the device and it requires more bucks. But the good thing about this, it less out of pocket on your bill each month. --- Everyone at T-Mobile pays the same price for each phone, it's just that down payment amounts are specific to each customer and their account (credit). The down payment depends on factors such as credit, account history, account tenure, payment history. A high down payment today means low monthly phone payments and vice versa. The pricing I can give you today as well as the pricing you see online is for well qualified standing. For this reason, your pricing may change depending on yours.