We have been with Verizon for the past 4 years and sometimes we make the payment late. They do not cut the phones off right away. We were with US Cellular before and they would. We have done some calculating and AT&T would save us about $40 a month. We are planning on switching in a month or so. We just wanted to know if they cut off your phones instantly or they give you a grace period to have it paid by? Thanks.