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Someone correct me if I'm wrong as I've never done this program myself, but I don't believe you trade in your current phone for any kind of discount. You have to give it back and they forgive you the remaining balance, but you have to buy another one at full price for monthly payments. So you can be making those full price payments every month and just switch your phone to the latest model in the same category every 12 months. Basically always leasing and never owning any of those phones
some people loan a phone, somep people buy it full. so if the program actually works and your phones paid in full, you may get that credit of whatever you used phone is valued at.
All I know is that Samaung is not honoring their upgrade agreement. I bought a Galaxy s8 under the financing upgrade plan and now they are telling me I am not part of the plan. I read all of the terms of the agreement and I did everything required and they are telling me that I have no upgrade plan. Their customer service is horrible!!!!