Here's what happened. We are new customers.We paid over 700$ in July for A GS7 edge and An LG V10. Called today to upgrade to note 7. They said 400$ . I was like no way. Whats the point of the program if I already paid 700$ now I trade my phone back in AND pay 400$? I then asked what about jumping my V 10 to a GS7 edge like my girlfriend. Same 400$. Wow. But I did call a store down the Road, and they said the NEVER seen an Additional down payment if it is on JOD. I heard they have stopped taking JOD sign ups. Maybe they were just trying to not make a trade.
700 dollars for two phones on JOD??!!! That's crazy! Unfortunately their 'usual' terms only apply to Good/Excellent credit ratings. If that's not the case, they do specify that a down payment would be required (but also your monthly payments should have gone down), I just didn't expect them to ask for half the device up front!
The JOD program, if you read the fine print, is STILL a lease, and an 18 month one at that. The 'point' of the program is that you can 'break' the lease early without any penalties (like normal leases do) up to three times a year and sign a new lease every time. Again, depending on credit worthiness, they do have down payments for higher storage models and lower-rating customers. They also 'waive' these down payments once you've paid 12 bills on time.