Not sure how you're coming to that conclusion. With trade in, you get 650, so you finance 650 for 36 months at $18.05. if you trade in at 12 months and get 50% trade in value, you still owe 433.40. With the buy back program, you get 500 on trade so you finance 800 at 40 months at 20 per month. If you upgrade at 12 months you get 650 trade in value and you still owe 560. You come out of pocket either way. But you start off $150 behind with the buy back program as you don't get as much for your current phone, you get higher payments, and her more at the end. I still don't get where anyone stands to benefit. Last year's upgrade program was fine as the payment plan was the same, and you don't have to click the link to use it when it becomes available. At best, it might come in handy if you trade in closer to the 20 month mark, but then it assumes the phone value will drop by 150 from 12 to 20 months (and that's just to break even) It's a little unclear to me what happens beyond 20 months, but if you're only planning to upgrade to a note phone you trade in at about 12 months or at about 24 months (assuming the next 2 iterations fall close to the same launch dates).