All calls to T-Mobile 611 go directly to T-Mobile reps in Philippines from 03 to 12-2021

I am new to T-Mobile-about 1.5 months-and have had only the nicest experience. I was with AT&T for over 27 years. In dealing with their 'experts' as they are known, I have had only the greatest and most professional experiences with them to date. I do, however, feel that they do 'overplay' their politeness a bit too much. And, as you stated, they speak 100 words that we could state in 10 or 20 words. 

To date, I have had one bill which was a credit and my second bill which will be due later this month will gave a partial credit and should be about $60.00 due. But I don't foresee any issues with it. However, when I did have the first bill that was paid because of the credit balance, I did call them to discuss it with me and they were on point with the detailed explanation of it. My total billing each month will be a dollar or two over $80.00 which includes financing Apple's iPhone 14 Pro Max and the Apple AirPods Pro 2nd Generation as well as four small accessories-a case for the phone, the Apple MagSafe Charger, a ZAGG Screen Protector and three lens covers for the camera lenses. Had I remained with AT&T and financed the same six  items the monthly cost would have been $165.00 and the four small items would have been paid in full at the time of purchase. I would have been glad to do so if required but T-M allowed me to finance them over 12 months and the iPhone 14 Pro Max is financed over 24 months for $23.00+ per month. I had a huge trade in value for my 4-year old iPhone XR which brought my cost of the phone down to $350+. AT&T now finances all phones over 36 months, no exception.

So, I have no complaints, at least so far. And I seriously doubt that I will for the first two years. What I will get, if any, for my iPad Pro 12.9" 3rd Generation this time next year, as a trade-in value and the final financed cost is unknown for now. And if Apple does release the super-large 15+ inch screen that is rumored around now, it will be very expensive and whether T-M will finance it is another question. Since it is expected to exceed $2900.00 for WiFi only and $3,250.00 for WiFi + Cellular only Apple might be the only vendor for it. All this is still just a rumor. But if released it will, I expect, sell like hotcakes especially if Apple will bring iPodOS 16 several steps closer to the Mac software and have it perform more or less like the Mac's twin brother. 

In another two years I may have to amend this comment. I hope not.