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I was eligible on 11/25. I didn't wait. I went to the Apple Store on 10/22. AT&T credited me the $250+$18(due to the pre-order fiasco).
 
Don't forget to check Best Buy also if you aren't having luck at the AT&T store or an Apple store. I was able to walk in last night and pick one up. :)
 
One of our lines has it on 11/30 but If I check through Apple or an AT&T store they tell me its 12/1 (Which was the date before until it got randomly bumped one day). Also, would I be able to get a discount if I'm in the same month as my eligibility date?(11/30)
 
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