I’ve been with AT&T for a while internet and phone. I switched from internet to xfinity and loving it. The issue is I want to move my phone to xfinity, but I have a $966 balance on my iPhone I’m paying off with AT&T and I traded an old iPhone 13 in and every month instead of paying $33 I pay like $19 for it so it’s credits for the phone, but the service is ridiculous I think my monthly for unlimited is $89 with the phone.

Xfinity is offering $45/month unlimited for data, and if I switch my internet goes down from $30 to $10 so I’d pay $55 for both internet and phone a $100 prepaid card for switching.

I’d like to switch, but then that would mean paying AT&T $966 upfront & losing like $500 of credits which I really don’t want to lose.

I hate AT&T and the service is abysmal, but don’t want to make the wrong financial choice.

What do you recommend? Thank you