T Mobile JOD pricing

$379 down is what I'm being asked for. My credit is on and I've been with T-Mobile for 6 years.
That's crazy..
Unless you Max the the credit on your account? Like if you have 3 phones on your account and owe 1400.00 and they only allow your account 2000.00 then they would ask for that kind of down payment
 
I thought I give it a try and ended up not getting the Note 10+. They wanted $199 down payment and I refuse and decided to keep my Oneplus 7 Pro.
 

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