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iPhone preorder confirmation charges?

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I was looking at my preorder status and it shows two charges: "one time" and "monthly." The one time charge is correct it seems (includes an upgrade fee). What is the monthly charge? It's not consistent with my regular monthly charges. Did I choose the wrong payment options or is it just showing me what a monthly charge would be if I selected a payment plan? So confused. The monthly charge is $22.80.

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