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Exchanging 16GB for 64 GB on the next plan

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Today I brought in my 16Gb iPhone 6 plus to exchange it for a 64 GB 6+. I got the phone 3 days ago and chose the next plan for financing. Why did they tell me it will take 48-72 hours for me to take advantage of the next plan again? I ended up having to get a new SIM card for my old phone and I'm just waiting for the time to lapse.
Thanks

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