Embalmfirst, that extra 20%, especially at this time of year, really makes a difference. We want you enjoying the new line that you are looking for. When adding a line with our Device Payment Plans, there are many items that are reviewed to determine is a down payment may be needed. From credit class, to time with Verizon Wireless, and even if any payments to us have been late, all of these things go into making that decision. Should you feel this decision was reached in error or want a closer review, we are always here to help. Simply dial *611 from your Verizon phone, today. LorenB_VZW VZWllow us on Twitter @VZWSupport If my response answered your question please click the �Correct Answer� button under my response VZWSupport others can benefit from our conversation. Thanks in Advance for your help with this!!