I already pre-ordered a Note 20 ultra, but I was thinking back and I recalled selecting the upgrade program last year when I ordered my Note 10+. So I just checked the website and it says I'm not eligible for 10 days. Anyone use this program before and can describe how it works? Does it only pay off the balance I owe through my Samsung financing? Just trying to figure out if I need to cancel and reorder after 10 days or if i can get a better deal by not trading in my phone as I owe less than half the trade in value. What I don't want is to end up still paying the balance of my old phone in addition to the new one. 
