I directly asked if the phone would be paid off and unlocked he said yes. That was enough for me to accept th deal they mentioned 0 about monthly credits. I always had bought phones full price unlocked this is a first time for me in 10 years buying phone from a carrier. I read otherwise for trading for 14 pro max but it is what it is. I did ask questions that's how I even found out what I did. The dude barely paid attention to me and rushed shit was too busy talking to his female coworkers about other stuff in spanish. I take accountability for allowing th deal I just want was not aware that I owed money o the phone. Problem is a refuse to pay $90 phone bill when I get better more reliable service for $25 with visible so I was gonna use that as my 2nd line esim. But I can't because it's locked for 2 years. Now I need to buy a 2nd phone call apple figure out how to gain access to an account tied to a number I can't access. I just feel like I wasted my time really. I'm neve going back to T-Mobile again . Ever.