If I pay off the payment plan in full, will I still receive the phone trading credit that I receive each month?

They will most times stop

@formerlyknownas I don’t recall any promotion that allowed you to pay off the phone getting credits and continue to get credits. There were some BOGO deals that allowed paying off the buy one phone and still get credits, though.

AT&T wireless employees  on Reddit repeatedly say the word "may" in the wording because internal documents state that paying off will not result in loss of credits, unless other changes are made.   They claim you must wait till credits start, and any sort of other changes to the account, the line, or service may cause loss of credit.  Things like suspending service on that line absolutely end credits.

   Multiple customers state they have paid off phones on promotions and not lost credits. 

    There are probably an equal number of customers who say that they paid off their phone and credits did stop. In both cases they suspended their line at a reduced rate so that they could travel outside the country and use the phone with a foreign carrier. Some people paid off their phone before the credits started. Some people transferred their billing, change their phone number, or any of the other things that would normally disconnect the credits from their original line. 

    There are few who made none of those changes and paid off their phone as they were directed and still lost credits and had to fight AT&T but eventually did get their credit restored, often in lump sum. 

     It's risky.  AT&T is goal is to keep customers tied to the carrier for the full 36 months in order to make a profit off of service, so that's the terms presented to discourage pay off and unlocking.  Eyes wide open if you go this route. 

I don’t read Reddit but I find it strange no one seems to have posted that here that I recall. The current trade in promotion states this in the “additional details” section:

• To get all the credits, the discounted device must remain on installment agreement and you must keep eligible service for entire installment term.

@sandblaster 

agreed.  And I have always taken the position that if the fine print says they can stop credits, that it is risky to say that you can keep your credits after you pay off the phone.  

Hello panilpatel6288, we're here to answer your question about trade in credits!

If you pay off your installment plan, you will lose future trade-in credits.

If you have any further questions or concerns please reach back out 

Thank you for visiting AT&T Community Forums 

Carlton, AT&T Community Specialist 

Yeah, yeah.  That’s the ‘party line’.