I think the trick here is that you have to be out of contract and free to switch over to a different carrier if you were to return the Captivate.
AT&T will bend over backwards trying to retain you as a customer. Including giving you credit towards your account. The amount seems to vary. I think the $125 they offered me was a rounded up amount of my last month's bill.
If you bought your Captivate as an early upgrade, they probably won't give you any credit at all.
If you bought it as an upgrade, you've got the 30 days to say no and leave AT&T, so it should work. I wish I had the balls to call them and see what they would do for me since I've had them for over 8 years.
Though the rep I got when I called about the vm not transferring over makes me not want to. 20 minutes of listening to her going through the consumer manual, then having to get a supervisor to realize oh, I just don't have standard vm set up (which is what I said when I first called)... that part deters me from ever calling them again.
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