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My common sense tells me that if you still have usage available on your phone when your contract runs out, you'll be disconnected from service as soon the available time on your plan has exceeded. Unless your contract states a specified date of termination and you still have usage, you should read the rest of the contract to see if continuing use renews your contract or it make it simple and instead of asking here, call your service provider.

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Q: When iPhone contract runs out are you charged for the usage?
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