Verizon won't let you charge to your bill when upgrading or adding a line...... Credit Card & Cash ONLY. The option is gone, I guess they are losing faith in their customer's.
Bill to account option was there for me.
I think it depends on the account. How often bills are past due, was the account ever suspended due to non-payment. Basically how likely is it they will get their money for the phone on time.
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