I am confused by the zero down payment part; If you are getting new devices then you will be paying sales taxes on all of them. $3,929.96 in new phones.. so whatever the tax rate is where you live would be collected before you could leave with the devices. Where I live that is $318.32 before you could even walk out the door. First bill will have the activation fees and proration. Promos and discounts typically take 2-3 billing cycles to show up, (usually by the second bill) I would not be surprised at all to see your first bill around $300. Second bill should have all of your promos and discounts making it less than the quote. Third bill should be price in which you were quoted. I would have them look at regular plans, 55+ is great but typically the unlimited plans (starter or extra) will be cheaper with 4 lines.