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There's ~*ALWAYS*~ a catch,.............
Sucks that you are still paying for it all and it is just spread out, but the timing, right after AT&T made me laugh. Competition is always good though, let us hope a strong AT&T response.
I assume you have to give them back your old phone too or do you get to keep that?
If you didn't have to give back your old phone it might make it more worth it. Especially if you had one still worth value.
Plans like these will be a boon for the second hand and refurbished device market.
I'm sure you have to give back the old phone; you've only paid half the price, after all, and it wasn't subsidized.
Plus, there's the fact that if you actually take advantage of the 6 month upgrade, that means you'd have to make a lump sum payment 1/4 of the unsubsidized value of the phone... Yeah, this sounds like a horrible 'deal.'