I'm interested in the $600 credit trade in program from Samsung. I wanted a ATT branded phone so that I don't potentially lose out on carrier specific features. I don't want any kind of hidden agenda payment obligation and want to just pay for the phone outright. Why do you have to finance if getting a ATT phone but the unlocked version you can just pay for the remaining balance in one shot and be done with it? I don't like financing phones anymore - I paid cash in full for my S10 and it felt good knowing that it was mine and that I didn't owe anyone anything for it and didn't have that extra monthly payment. So my question is, why do you have to finance a ATT carrier phone through Samsung when doing the trade in offer and not allowed to pay for the remaining balance outright when you can pay in full without a payment for the unlocked version? What's their hidden agenda there, lol.