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device financing


Feb 11, 2015, 10:29 AM
Here's another little tidbit of info about u.s. cellular that people should know before financing a phone. If you change to shared data and finance the phone, not only are you held to the installments in the phone, you're also held to an early termination fee as well. A little food for thought if you want to cancel a line

Feb 11, 2015, 5:38 PM
Not true. The installment negates the ETF. You still choose one but you don't pay the ETF if you cancel, the only agreement is to pay off the device.

Feb 11, 2015, 11:37 PM
If that's the case explain why people are charged both and customer service refuses to waive the ETF?

Feb 12, 2015, 5:33 PM
They aren't reading the policy correctly. The only agreement is to pay the device. If they cancel or are cancelled , the remaining balance of the devices are due, not an ETF.

Feb 13, 2015, 12:36 AM
It's six of one, half dozen of the other. You pay off your phone and it'll run about $300 to $400 dollars. You pay off your break fee and you'll pay $350. It all works out about the same whether you do device financing or ETF. The only difference I noticed is the retail prices of phones went way down when they began offering device financing. There was an LG flip phone that retailed for $150 when they offered ETF, but dropped down to $50 retail when they offered device financing. Shows how much they were marking up phones prior to device financing.

Under the old ETF system, when a person walked out the door buying a subsidized phone, most of the time the company had broke even with the cost of the phone by the time you left. You bu...

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