After speaking with a few different reps, I called my local store and spoke to a guy I've come to know well since I moved over to T-Mobile. He explained it more thoroughly without rushing. Basically, I was given a full credit for the Note 7, in anticipation of my being charged for the full price of the phone when my bill cycle refreshes. So, after speaking with him, I decided to hold off on getting a replacement right now. I still intend on getting a Note 7, but am gonna wait it out until price drops during the holidays. Plus, it saves me the hassle of having to track down a silver Note 7 today and will save me some money in the short term. I'll be okay rolling with my Mate 8 and Lumia 950 XL for now (especially because the Lumia 950 XL is dual SIM w/ a microSD slot!).