iPhone 14 Pro Max Best way to trade-in or sell phone when I upgrade every year?

[kat.hayes]

I have been upgrading my phone every year and I recently switched to T-Mobile last year. If I do a trade in it applies the credits over two years, so does this mean that if I upgrade again after one year I will stop receiving the full value of the phone, resulting in only getting half of the value of the phone? If so, what is the best way to upgrade every year? Sell the phone on my own and not trade it in?

Thanks

 

[earthdog]

Sell it... otherwise they hold your money for 24 months. You are giving them a free loan.

 

[Jackbequickly]

Just beware of the risks of selling you phone and do cash, face to face deals only.