I got this tidbit from an executive whom I know who works for Verizon. If you are a Verizon customer and have credit for a new phone, at the end of the year that program will no longer exist. Everyone with credit will lose it. This goes with their new iPhone coming out, at which time they will no longer give money for upgrades. I'm not a Verizon customer, so I don't know exactly what this will mean.