I switched 3 lines from AT&T and did not have to pay a down payment but at T-Mobile I do
I never had to put a down payment for phones at AT&T when I upgraded there. Always paid my bills except for medical copays and deductibles which I know hurt my credit score. I now have to put a large $369 down payment if I wanted to upgrade a Galaxy S24 Ultra to an IPhone 17 Pro Max even with a $1100 trade in credit on an experience beyond plan. In this case, I have no plans to upgrade now. But what worries me is that I plan upgrading at least 2 maybe 3 lines to the IPhone 18 Pro Max in about 6 months. It sucks that I am on the most expensive plan and still will have to pay a large down payment on the iPhones. I hope in about 5 months of on time payments will waive the requirement of almost $1500 in down payments across upgrading different lines instead of being forced to use rebate cards just to make a down payment on locked iPhones since the Costco unlocked iPhones are too expensive to buy all at once even with rebate cards. Guess I will try to ask T-Mobile rep if they can lower or waive down payment requirements when those phones come out.