I was so confused on how it worked. This is a simple version took from Future Shop website.
"Koodo Mobile lets you run a Tab towards the price of a new mobile phone. The Tab lets you take up to $150 off the retail price of a new phone, so if you want a phone with a retail value of $150, you could put 150 on your Tab and pay $0 for your mobile phone. Every month, 10% of your bill (except credits, late payment charges, and taxes) goes towards paying off your Tab. You're free to leave whenever you want, simply settle any outstanding Tab balance on your way out. We don't do cancellation fees. And the phone is yours to keep."
When you buy a koodo phone using the tab (this means not paying the full price of the phone), your koodo tab will be negative. As you pay off, it will start to go positive.
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