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Constellation

Samsung Financing / TD Bank

I bought S10 in March 2019 for $815.61 

Upgraded in March 2020 after buying S20 for $1092.49

Received Credit = $408 (Returned S10)

Bought Active watch = $282.95

So total for S20+ Watch= $1375.44

Using 24 months installation= $1375.44/24 = 57.31

But if I will use the credit of $408 it would be $40.31/ month

Then why I was being charged for an extra amount of $92 and $57.31 for March and April 2020