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Helton from Grand Forks, North Dakota shares that he and his wife recently got married and switched to their own cellphone plan with Verizon. They discovered that with a two-year contract, paying for the phone upfront incurs an extra $20 charge per month. However, opting for a payment plan eliminates this charge. Kelton questions the $20 cash payment charge, as he has multiple phones on his Verizon account and doesn't believe he is paying the extra fee. He suggests revisiting the information about the charges.