Hi everyone, just thought I'd post an update to this thread. I have a phone and contract now! After sorting out some issues with the bank I went to Smartone in IFC at Central and they were 100 times more helpful than the other dealers I had been to around Causeway Bay. English was excellent and they were able to explain that with a credit card you can pay off the pre-payment in installments each month, rather than one up front payment (which still doesn't really make sense to me - why not just not have the pre-payment and pay a set amount monthly - but whatever I have a new Samsung S6 and life is looking good )
Anyway - I highly recommend the staff at Smartone IFC - if you are new to Hong Kong and don't know anyone to help you out they were really helpful. Five stars!
"...(which still doesn't really make sense to me - why not just not have the pre-payment and pay a set amount monthly..."
What happens if you lose the phone? What happens if you break the phone? What happens when you decide you want a newer model?
You can thank me for the special training at smartone ifc branch after I made a high level complaint and they had to undergo retraining
Still won't use them ever again though